State Bank Of The Lakes NA (FDIC #5744): Bank Stress & Real-Estate Credit Exposure
State Bank Of The Lakes NA (FDIC Cert #5744): bank stress 62/100, elevated, STABLE over 7 days; parent WINTRUST FINANCIAL CORP (WTFC).
State Bank Of The Lakes NA (#5744) lends in 4 counties across 2 states; State Bank Of The Lakes NA (#5744) reaches 85 ZIP codes: Illinois 2 counties, 52 ZIPs; Wisconsin 2 counties, 33 ZIPs.
State Bank Of The Lakes NA (#5744) largest markets: Lake County, IL (180 branches, 36 ZIPs) (#5744), Mchenry County, IL (24 branches, 24 ZIPs) (#5744), Walworth County, WI (18 branches, 18 ZIPs) (#5744), Kenosha County, WI (51 branches, 17 ZIPs) (#5744).
State Bank Of The Lakes NA (#5744) reports $2.81 billion in total assets; State Bank Of The Lakes NA (#5744) equity $285.3 million (10.1% of State Bank Of The Lakes NA (#5744) assets); State Bank Of The Lakes NA (#5744) domestic deposits $2.38 billion; State Bank Of The Lakes NA (#5744) net income $19.0 million; State Bank Of The Lakes NA (#5744) return on assets 1.43%; State Bank Of The Lakes NA (#5744) return on equity 13.56%; State Bank Of The Lakes NA (#5744) net interest income $39.4 million; State Bank Of The Lakes NA (#5744) call report June 30, 2026.
State Bank Of The Lakes NA (#5744) noncurrent real-estate loans: none reported; State Bank Of The Lakes NA (#5744) net charge-offs on real estate 0.05%.
State Bank Of The Lakes NA (#5744) net interest margin 3.15% against an eight-quarter State Bank Of The Lakes NA (#5744) average of 3.39% (State Bank Of The Lakes NA (#5744) compression 0.24 points); State Bank Of The Lakes NA (#5744) rate-exposure score 40/100, State Bank Of The Lakes NA (#5744) fixed-rate trap 40/100; State Bank Of The Lakes NA (#5744) risk type credit driven; State Bank Of The Lakes NA (#5744) rate regime rates elevated; State Bank Of The Lakes NA (#5744) shares 14.4% below the 52-week high, State Bank Of The Lakes NA (#5744) equity trend weakening, State Bank Of The Lakes NA (#5744) snapshot October 20, 2026.
State Bank Of The Lakes NA (#5744) stress score moved from 58 on June 22, 2026 to 61.5 on October 20, 2026; State Bank Of The Lakes NA (#5744) ranged 58 to 61.5 over 117 snapshots.
State Bank Of The Lakes NA (#5744) alerts: 4 counties; top State Bank Of The Lakes NA (#5744) alert scores: Genoa City County, IL 22 (low); Kenosha County, IL 22 (low); Round Lake County, IL 22 (low); Spring Grove County, IL 22 (low).