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The Lender Report built this page from public records. Crystal Lake Bank and Trust Company, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Crystal Lake Bank and Trust Company, National Association itself. Each figure shows its source and date. Work at Crystal Lake Bank and Trust Company, National Association? You can claim this page for free.
SBA 7(a) record
Crystal Lake Bank and Trust Company, National Association: SBA 7(a) loans made
Crystal Lake Bank and Trust Company, National Association, a bank based in Crystal Lake, IL, made 15 SBA 7(a) loans in the 36 months ending September 30, 2026, $12.2M in all, net of cancelled approvals. The typical loan was about $520K, and 2 were in the last 12 months. Most were in Illinois.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- Loans, 36 months
- 15
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $12.2M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $520K
- SBA FOIA,
- Largest loan
- $3.3M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 2
- SBA FOIA,
Cite this
Source: The Lender Report, Crystal Lake Bank and Trust Company, National Association: SBA 7(a) loans made, https://lender.report/lender/crystal-lake-bank-and-trust-il/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| May 2026 | Illinois | SBA 7(a), All Other Specialty Trade Contractors | $1.1M | 7.75% | 10 yr | SBA FOIA | |
| Nov 2025 | Illinois | SBA 7(a), Limited-Service Restaurants | $750K | 8.25% | 10 yr | SBA FOIA | |
| Sep 2025 | Illinois | SBA 7(a), Flooring Contractors | $3.3M | 6.5% | 10 yr | SBA FOIA | |
| Sep 2025 | Illinois | SBA 7(a), Flooring Contractors | $1.7M | 6.5% | 2 yr | SBA FOIA | |
| Aug 2025 | Illinois | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $300K | 7.5% | 7 yr | SBA FOIA | |
| Apr 2025 | Illinois | SBA 7(a), All Other Specialty Trade Contractors | $790K | 7.75% | 10 yr | SBA FOIA | |
| Apr 2025 | Illinois | SBA 7(a), All Other Specialty Trade Contractors | $100K | 7.5% | 8 yr | SBA FOIA | |
| Jan 2025 | Illinois | SBA 7(a), All Other Specialty Trade Contractors | $350K | 8.5% | 7 yr | SBA FOIA | |
| Jan 2025 | Illinois | SBA 7(a), All Other Specialty Trade Contractors | $250K | 7% | 5 yr | SBA FOIA | |
| Dec 2024 | Illinois | SBA 7(a), Power and Communication Line and Related Structures Construction | $520K | 7.25% | 7 yr | SBA FOIA | |
| Dec 2024 | Illinois | SBA 7(a), Power and Communication Line and Related Structures Construction | $100K | 9.25% | 7 yr | SBA FOIA | |
| Jun 2024 | Illinois | SBA 7(a), Motor Vehicle Towing | $340K | 7.5% | 8 yr | SBA FOIA | |
| Mar 2024 | Illinois | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $800K | 9% | 8 yr | SBA FOIA | |
| Jan 2024 | Illinois | SBA 7(a), Machine Shops | $1.6M | 8.5% | 10 yr | SBA FOIA | |
| Jan 2024 | Illinois | SBA 7(a), Drinking Places (Alcoholic Beverages) | $150K | 10.5% | 8 yr | SBA FOIA | |
| 15 SBA 7(a) loans since October 2023, net of cancelled | $12.2M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Illinois | 15 | $12.2M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 2 | $200K |
| $150K to $350K | 4 | $1.04M |
| $350K to $1M | 5 | $3.21M |
| $1M to $2.5M | 3 | $4.40M |
| $2.5M or more | 1 | $3.30M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2024 Q1 | 3 | $2.55M |
| 2024 Q2 | 1 | $340K |
| 2024 Q4 | 2 | $620K |
| 2025 Q1 | 2 | $600K |
| 2025 Q2 | 2 | $890K |
| 2025 Q3 | 3 | $5.30M |
| 2025 Q4 | 1 | $750K |
| 2026 Q2 | 1 | $1.10M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| All Other Specialty Trade Contractors (238990) | 5 |
| Electrical Contractors and Other Wiring Installation Contractors (238210) | 2 |
| Flooring Contractors (238330) | 2 |
| Power and Communication Line and Related Structures Construction (237130) | 2 |
| Drinking Places (Alcoholic Beverages) (722410) | 1 |
| Limited-Service Restaurants (722513) | 1 |
| Machine Shops (332710) | 1 |
| Motor Vehicle Towing (488410) | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Preferred Lenders Program | 9 |
| SBA Express Program | 5 |
| Working Capital CAPLine | 1 |
- Crystal Lake Bank and Trust Company, National Association made 15 SBA 7(a) loans totaling $12.2M in the 36 months ending September 30, 2026, net of cancelled approvals, in 1 state. SBA FOIA,
- 2 of them were in the 12 months to September 30, 2026, and 9 in the 12 months before. SBA FOIA,
- The typical loan was about $520K, with the middle half between $250K and $1.1M. SBA FOIA,
- The largest was about $3.3M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 2 loans were under $150K, and 4 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 7.75% on 15 loans, with the middle half between 7.25% and 8.50%. SBA FOIA,
- The median term was 8 years. SBA FOIA,
- Its loans went most often to All Other Specialty Trade Contractors, with 5. SBA FOIA,
- The SBA file lists 9 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in Illinois (15). SBA FOIA,
What we don't know
- Whether Crystal Lake Bank and Trust Company, National Association is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.