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State Bank of the Lakes Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

State Bank of the Lakes's savings rates are at 2.00%. 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 1.38%. Rates last updated and verified on 11/05/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.38%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
State Bank of the Lakes, National Association
440 Lake St
Antioch, IL 60002
https://www.sbotl.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

State Bank of the Lakes Savings Rates

Product Rate APY View More
Statement Savings Advanced Special - 2.00%
Min Deposit $0
Min Balance $0
Details With qualifying activities; Variable rate; No minimum to open; $200 daily balance to avoid a $5 monthly maintenance fee; New money only; Offer available to existing or closed savings account customers; Minimum daily balance of $0.01 required to obtain APY
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.38%

State Bank of the Lakes Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.00% 360 months
Details Amount: $500,000+; Variable rate (WSJ Prime plus margin) during 10-year draw period; Current % APR
Last Updated 11/05/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 10 times
6.50%7.00%7.50%Sep 15, 2026: 7.00% APRSep 15, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.38%
Home Equity Line of Credit - - 7.25% 360 months
Details Amount: $250,000 - $499,999; Variable rate (WSJ Prime plus margin) during 10-year draw period; Current % APR
Last Updated 11/05/2026
Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 10 times
6.75%7.25%7.75%Sep 15, 2026: 7.25% APRSep 15, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.38%
Home Equity Line of Credit - - 7.50% 360 months
Details Amount: $100,000 - $249,999; Variable rate (WSJ Prime plus margin) during 10-year draw period; Current % APR
Last Updated 11/05/2026
Rate History
No change since Sep 15, 2026 · 7.50% APR · checked 10 times
7.00%7.50%8.00%Sep 15, 2026: 7.50% APRSep 15, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.38%
Home Equity Line of Credit - - 7.75% 360 months
Details Amount: $10,000 - $99,999; Variable rate (WSJ Prime plus margin) during 10-year draw period; Current % APR
Last Updated 11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
7.00%7.63%8.25%Sep 15, 2026: 7.50% APRSep 24, 2026: 7.75% APRSep 15, 2026Nov 9, 2026
  • Sep 24, 20267.75%▲ from 7.50%
  • Sep 15, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.38%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

State Bank of the Lakes’s Texas Ratio fell from 5.33% in Q3 2023 to 1.38% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.8% 2.0★ 3.6% 3.0★ 5.4% 4.0★ 7.2% 5.0★ Healthy zone – entire history below the 15% limit 5.33% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.38% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.8B1.38%5.0A+
March 31, 2026$2.7B0.84%5.0A+
December 31, 2025$2.5B1.01%5.0A+
September 30, 2025$2.4B0.87%5.0A+
June 30, 2025$2.3B0.95%5.0A+
March 31, 2025$2.2B1.53%5.0A+
December 31, 2024$2.2B2.37%5.0A+
September 30, 2024$2.1B1.26%5.0A+
June 30, 2024$2.1B1.52%5.0A+
March 31, 2024$2.0B1.62%5.0A+
December 31, 2023$1.9B1.62%5.0A+
September 30, 2023$2.0B5.33%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

Bank Name State Bank of the Lakes
Website https://www.sbotl.com
Address 440 Lake St, Antioch, IL 60002  ·  Lake
Bank Holding Company WINTRUST FINANCIAL CORP
FDIC Certificate # 5744
Regulator OCC
Established January 1, 1926
FDIC Insurance Date January 1, 1934
Domestic Offices 10
Total Branches 10
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.38%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.4264%
Return on Equity (ROE)
13.5600%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
$2,811,675,000
Total Deposits
$2,381,148,000
Equity Capital
$285,347,000
Net Income
$19,030,000
Headquarters
Antioch
Total Branches and Offices
10
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

State Bank of the Lakes earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/state-bank-of-the-lakes-rates-review-5744">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for State Bank of the Lakes yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Total Reviews
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Frequently Asked Questions About State Bank of the Lakes

What is the highest savings rate at State Bank of the Lakes?

The highest State Bank of the Lakes savings rate is its Statement Savings Advanced Special at 2.00% APY, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do State Bank of the Lakes rates compare?

State Bank of the Lakes's top rate is its Statement Savings Advanced Special at 2.00% APY, verified by MonitorBankRates on November 5, 2026.

Current State Bank of the Lakes Rates

  • Savings2.00%
Retrieved from our database of financial products. Rates subject to change.

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