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State Bank of the Lakes

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State Bank of the Lakes Rates & Review April 2026

Q: How many branches does State Bank of the Lakes operate?

State Bank of the Lakes currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank of the Lakes provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare State Bank of the Lakes rates to other rates in our database, including 12-month CD rates currently at 0.25%, 6-month CD rates at 3.50% and 3-month CD rates at 0.50%. Savings rates are at 0.04% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to State Bank of the Lakes rates. MonitorBankRates evaluates the financial stability of State Bank of the Lakes with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.33%. Rates were last updated on 04/23/2026.

State Bank of the Lakes money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at State Bank of the Lakes? Share your experience about State Bank of the Lakes by leaving a review below, or read customer reviews before you decide to use State Bank of the Lakes.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.33%

Excellent Lower than avg

State Bank of the Lakes

440 Lake St
Antioch, IL 60002

https://www.sbotl.com

Current Rate Availability

We do not have State Bank of the Lakes rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for State Bank of the Lakes is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather State Bank of the Lakes rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with State Bank of the Lakes's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Bank of the Lakes

Bank Holding Company WINTRUST FINANCIAL CORP

Address 440 Lake St, Antioch, IL 60002 · Lake

Website https://www.sbotl.com

FDIC Certificate # 5744

Established 01/01/1926

FDIC Insurance Date 01/01/1934

Domestic Offices 10

Total Branches 10

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6147%

Return on Equity (ROE) 14.3500%

Non-Performing Loans (NPL) 0.46%

Total Assets $2,503,451,000

Total Deposits $2,075,758,000

Equity Capital $279,569,000

Net Income $33,888,000

Headquarters Antioch

Total Offices 10

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for State Bank of the Lakes yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About State Bank of the Lakes

Is State Bank of the Lakes a safe place to deposit money?

Yes, State Bank of the Lakes is considered a safe financial institution. With a Texas Ratio of 5.3252713956595%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does State Bank of the Lakes operate?

State Bank of the Lakes currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, State Bank of the Lakes does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank of the Lakes provides members with tools to manage their accounts and build a solid financial history.

Does State Bank of the Lakes offer online and mobile banking?

Most modern institutions like State Bank of the Lakes provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sbotl.com.