Crystal Lake Bank And Trust Company, National Association
Crystal Lake Bank And Trust Company, National Association is a bank based in Crystal Lake, Illinois, established in 1997, with $2.1 billion in total assets across 6 branches. By Trust Grade it ranks 164th of 328 banks we track in Illinois. Its capital ratio of 9.4% trails most similarly sized banks (33th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.50% return on assets. No consumer complaints against Crystal Lake Bank And Trust Company, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Crystal Lake Bank And Trust Company, National Association compares to Illinois peers
How we graded Crystal Lake Bank And Trust Company, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.4% capital ratio)
- Strongly profitable (ROA 1.50%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Crystal Lake Bank And Trust Company, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 27 North Main Street, Crystal Lake, IL 60014
- 2205 N Richmond Rd, Mchenry, IL 60051
- 60 E Main St, Cary, IL 60013
- 4049 W Algonquin Rd, Algonquin, IL 60102
- 5100 Northwest Hwy, Crystal Lake, IL 60014
- 70 N Williams St, Crystal Lake, IL 60014
Are deposits at Crystal Lake Bank And Trust Company, National Association insured?
Yes. Crystal Lake Bank And Trust Company, National Association is an FDIC-insured bank (FDIC certificate #34681). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Crystal Lake Bank And Trust Company, National Association: frequently asked questions
Is Crystal Lake Bank And Trust Company, National Association a good bank?
Crystal Lake Bank And Trust Company, National Association earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.4% capital ratio); Strongly profitable (ROA 1.50%).
Is Crystal Lake Bank And Trust Company, National Association FDIC-insured?
Yes. Crystal Lake Bank And Trust Company, National Association is a FDIC-insured bank (FDIC certificate #34681). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Crystal Lake Bank And Trust Company, National Association?
Crystal Lake Bank And Trust Company, National Association holds $2.1 billion in total assets, ranking 164th of 328 banks we track in Illinois. It operates 6 branches.
Does Crystal Lake Bank And Trust Company, National Association have CFPB complaints?
No CFPB complaints against Crystal Lake Bank And Trust Company, National Association appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
