Bank · FDIC insured
State Bank of The Lakes, N.A.
A $2.8B bank headquartered in Antioch, IL, with 10 branches in 2 states. 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: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings—2.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About State Bank of The Lakes, N.A.
State Bank of The Lakes operates as part of the Wintrust Community Bank family.
Wintrust's founders established operations in a northern Chicago suburb in 1991 to provide an alternative to big banks, growing to over 200 locations.
- Headquarters
- 440 Lake St, Antioch, IL 60002
- FDIC certificate
- 5744 ↗
Branches
10 branches in 2 states
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Illinois
6 branches
- State Bank of the Lakes, National AssociationMain office440 Lake St, Antioch, IL 60002Directions
- Grayslake Branch50 Commerce Dr, Grayslake, IL 60030Directions
- Lake Villa Branch345 S Milwaukee Ave, Lake Villa, IL 60046Directions
- Lindenhurst Branch2031 E Grand Ave, Lindenhurst, IL 60046Directions
- Round Lake Beach Branch10 E Rollins Rd, Round Lake Beach, IL 60073Directions
- Spring Grove Branch1906 Holian Dr, Spring Grove, IL 60081Directions
Wisconsin
4 branches
Kenosha area · 3
- Kenosha 26th Ave Branch5522 26th Ave, Kenosha, WI 53140Directions
- Kenosha 39th Ave Branch8056 39th Ave, Kenosha, WI 53142Directions
- Kenosha Branch8700 75th St, Kenosha, WI 53142Directions
Whitewater area · 1
- Genoa City Branch235 Freeman St, Genoa City, WI 53128Directions
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 | 9.05% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.18% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.43% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalLeverage ratio9.05%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.43%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$88Peers’ 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 State Bank of The Lakes, N.A. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.