Bank · FDIC insured
Crystal Lake Bank & Trust Company, N.A.
A $2.3B bank headquartered in Crystal Lake, IL, with 6 branches in Illinois. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: no rate at the amounts we compare. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings——Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Crystal Lake Bank & Trust Company, N.A.
Crystal Lake Bank & Trust Company, N.A. operates as a local community bank within the Wintrust Community Bank family.
The organization has grown to include more than 200 locations.
- Headquarters
- 70 N Williams St, Crystal Lake, IL 60014
- FDIC certificate
- 34681 ↗
Branches
6 branches in Illinois
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Illinois
6 branches
Crystal Lake area · 3
- Crystal Lake Bank and Trust Company, National AssociationMain office70 N Williams St, Crystal Lake, IL 60014Directions
- Crystal Lake Branch5100 Northwest Hwy, Crystal Lake, IL 60014Directions
- Crystal Lake Branch27 North Main Street, Crystal Lake, IL 60014Directions
Algonquin area · 1
- Algonquin Bank Branch4049 W Algonquin Rd, Algonquin, IL 60102Directions
Cary area · 1
- Cary Branch60 E Main St, Cary, IL 60013Directions
McHenry area · 1
- Mchenry Bank And Trust Branch2205 N Richmond Rd, McHenry, IL 60051Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.65% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.34% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.54% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalLeverage ratio9.65%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.34%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.54%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Crystal Lake Bank & Trust Company, N.A. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.