State Bank of the Lakes, National Association
440 Lake St, Antioch, IL 60002
Financial Overview
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