State Bank of the Lakes, National Association: how it compares with its peers
Against 32 IL banks with half to twice its assets, State Bank of the Lakes, National Association's strongest measure in Q2 2026 is assets per employee ($33.1M vs. a $9.6M peer median). Its weakest relative measure is net interest margin (3.15% vs. 3.42%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.33% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 3.42% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.25% | 52.06% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $33.1M | $9.6M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.26% | 86.27% | Context |
What it means for lending operations
Its efficiency ratio of 37.25% is better than the 52.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Lakeside Bank Chicago, IL · $2.85B
- Beverly Bank & Trust Company, National Association Chicago, IL · $2.69B
- INB, National Association Springfield, IL · $2.68B
- FCB Banks Collinsville, IL · $2.64B
- Republic Bank of Chicago Oak Brook, IL · $2.61B
- Schaumburg Bank & Trust Company, National Association Schaumburg, IL · $2.56B
Questions about State Bank of the Lakes, National Association
How big is State Bank of the Lakes, National Association?
State Bank of the Lakes, National Association, established in 1926, is headquartered in Antioch, IL. It reported $2.81B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is State Bank of the Lakes, National Association's return on assets?
1.43% annualized in Q2 2026, against a 1.33% median for 32 IL banks with half to twice its assets, ahead of 56% of them.
What is State Bank of the Lakes, National Association's efficiency ratio?
37.25% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 52.06%, and lower is better.
Is State Bank of the Lakes, National Association growing its loans?
Net loans grew 14.1% over the year to Q2 2026, while deposits grew 20.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.