State Bank of the Lakes, National Association on Your Credit Report
In short: Headquartered in Antioch, IL, State Bank of the Lakes, National Association has operated since 1926 as a national bank chartered by the Office of the Comptroller of the Currency. The FDIC lists it under certificate 5744 with $2.8 billion in total assets spread across 10 reported offices as of 06/30/2026. Because State Bank of the Lakes, National Association lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who State Bank of the Lakes, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank of the Lakes, National Association has been in continuous operation for 100 years, chartered January 1, 1926 and carried on the FDIC's books as certificate 5744. Its 06/30/2026 call report shows 10 FDIC-reported offices and $2.8 billion in total assets, averaging roughly $281 million per office.
How State Bank of the Lakes, National Association appears on your credit report
Disputing a State Bank of the Lakes, National Association tradeline is not the same as disputing one from a national issuer. With $2.8 billion in assets across 10 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Co-signed family and student-support loans
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
Grounds to dispute a State Bank of the Lakes, National Association entry
Each of these is a reason a State Bank of the Lakes, National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Charge-off reported by State Bank of the Lakes, National Association after the account was settled in full
- ◆Payment made in-branch on the due date but posted the following business day
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
State Bank of the Lakes, National Association is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, State Bank of the Lakes, National Association has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send State Bank of the Lakes, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
State Bank of the Lakes, National Association questions, answered
Is State Bank of the Lakes, National Association FDIC-insured, and what is its certificate number?
Yes. State Bank of the Lakes, National Association holds FDIC certificate 5744. The FDIC record shows a charter established January 1, 1926, headquarters in Antioch, IL, and 10 FDIC-reported offices with $2.8 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates State Bank of the Lakes, National Association, and where do I escalate if a dispute fails?
State Bank of the Lakes, National Association is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against State Bank of the Lakes, National Association?
None that can be attributed with confidence. State Bank of the Lakes, National Association does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to State Bank of the Lakes, National Association would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a State Bank of the Lakes, National Association charge-off stay on my credit report?
A charged-off State Bank of the Lakes, National Association account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date State Bank of the Lakes, National Association charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with State Bank of the Lakes, National Association and disputing with a collector?
State Bank of the Lakes, National Association holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to State Bank of the Lakes, National Association is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does State Bank of the Lakes, National Association report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of State Bank of the Lakes, National Association — 10 offices, $2.8 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a State Bank of the Lakes, National Association account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
State Bank of the Lakes, National Association was acquired or changed names — why does my report show two accounts?
Name changes and acquisitions routinely produce this. A converted State Bank of the Lakes, National Association account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1926, core-system conversions are the usual cause.
Can I dispute State Bank of the Lakes, National Association reporting myself, without paying anyone?
Yes. Both routes — FCRA §611 through Equifax, Experian and TransUnion, and FCRA §623 directly with State Bank of the Lakes, National Association — are free and open to you. No one can lawfully promise a specific outcome or score change, and results vary with what the bank can verify. Paid help is a convenience, never a requirement.
What should I check first on State Bank of the Lakes, National Association reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 100-year-old lender like State Bank of the Lakes, National Association, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by State Bank of the Lakes, National Association; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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