🏦Bank Scorer

STATE BANK OF THE LAKES

ANTIOCH, IL · Supervised by FDIC

Est. 1926FDIC #5,744RSSD: FDIC-5744
Part ofWINTRUST FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.51%

Institution Profile

FDIC BankFind

Address

440 Lake St, ANTIOCH, IL

County

Lake County

Established

January 1, 1926

Total Assets

$2.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2004

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.7B

Total Deposits

$2.3B

Net Loans

$2.0B

Net Income

$10M

ROA

1.51%

ROE

14.07%

Risk-Based Capital

11.33%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.45%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$2.0B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249479.79%7.45%
20234178.05%9.76%
202213381.2%6.02%
20198274.39%9.76%
20188672.09%6.98%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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