State Bank of the Lakes, National Association

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

440 Lake St, Antioch, IL 60002

Financial Overview

Total Assets $2.69B
Total Deposits $2.26B
Profitability (ROA) 1.51%
Shareholder Return (ROE) 14.07%
Capital Cushion (Eq/Assets) 10.30%
Established 01/01/1926

Financial Health Analysis

State Bank of the Lakes, National Association is a currently active commercial lending specialization banking institution headquartered in Antioch, Illinois. Established in 01/01/1926, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, State Bank of the Lakes, National Association manages $2.69B in total assets and holds $2.26B in customer deposits. When evaluating the stability of State Bank of the Lakes, National Association, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.30%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.51%, while its Return on Equity (ROE) sits at 14.07%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$226.1M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.sbotl.com

FDIC Certificate #: 5744

Specialization: Commercial Lending Specialization

Location

440 Lake St

Antioch, Illinois 60002

Open in Google Maps →

Map