STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
120
2010–2026
Total Volume
$69M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
120 total segments
Crystal Lake Bank & Trust Company has a strong focus on 504 loans, making up 53% of their total SBA deals. This is significantly higher than the national average of about 18%. If you're considering a real estate purchase or expansion, this lender could be a great fit.
The average spread for 7(a) loans at Crystal Lake is P+1.27%, which is notably lower than the national median of P+2.75%. This could mean lower overall costs for your loan, making them a competitive option for financing.
With 74% of their deals focused on existing businesses, Crystal Lake Bank & Trust Company is well-suited for established companies looking to expand. If you're a startup, you might find better options elsewhere, as only 15% of their deals cater to new businesses.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 63 504 loans, which use fixed SBA debenture rates.
States where CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Other Professional Services
Professional Services
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
Heavy & Civil Engineering
Construction
+ 7 more
All recorded SBA lending activity for CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+1.00% | $298K | Q3 2025 |
| Illinois · Specialty Trade Contractors · $500K – $1M | 7(a) | 4 | P+1.13% | $830K | Q2 2025 |
| Illinois · Wholesale Trade · $150K – $350K | 7(a) | 4 | P+2.25% | $301K | Q3 2022 |
| Illinois · Manufacturing · $1M – $2M | 504 | 4 | — | $1.5M | Q4 2021 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.75% | $132K | Q1 2024 |
| Illinois · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $217K | Q1 2022 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.00% | $248K | Q1 2020 |
| Illinois · Specialty Trade Contractors · $350K – $500K | 504 | 3 | — | $385K | Q2 2025 |
| Illinois · Manufacturing · $150K – $350K | 504 | 3 | — | $251K | Q4 2018 |
| Illinois · Other Professional Services · $150K – $350K | 504 | 3 | — | $233K | Q4 2020 |
| Illinois · Heavy & Civil Engineering · $1M – $2M | 7(a) | 2 | P+2.50% | $2.0M | Q4 2010 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $713K | Q3 2022 |
| Illinois · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+0.88% | $614K | Q2 2023 |
| Illinois · Restaurants & Food Service · $350K – $500K | 504 | 2 | — | $386K | Q1 2022 |
| Illinois · Other Professional Services · $150K – $350K | 7(a) | 2 | P+2.00% | $282K | Q1 2022 |
| Illinois · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+1.88% | $293K | Q2 2019 |
| Illinois · Other Professional Services · $1M – $2M | 7(a) | 2 | P+1.38% | $1.5M | Q3 2022 |
| Illinois · Other Repair & Services · Under $150K | 504 | 2 | — | $143K | Q3 2023 |
| Illinois · Other Repair & Services · $500K – $1M | 504 | 2 | — | $722K | Q4 2024 |
| Illinois · Legal Services · $150K – $350K | 504 | 2 | — | $218K | Q2 2022 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+0.88% | $100K | Q2 2025 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $241K | Q2 2017 |
| Illinois · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+1.48% | $400K | Q2 2018 |
| Illinois · Social Assistance · $1M – $2M | 504 | 2 | — | $1.5M | Q4 2022 |
| Illinois · Manufacturing · $350K – $500K | 504 | 2 | — | $468K | Q2 2025 |
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Real experiences from borrowers who closed SBA loans with CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION.
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