ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION

SAINT CHARLES, IL | Large | Est. Sept. 21, 1987, midnight | FDIC #27052 | RSSD #428547 | OCC
Latest Report: 2025-12-31

ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in SAINT CHARLES, IL, established in Sept. 21, 1987, midnight. As of 2025-12-31, the bank reported total assets of $3.5B and total deposits of $2.9B. Profitability stands at 1.32% ROA and 13.03% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 10.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 4.72%. FDIC Certificate #27052.

Assets

$3.5B

Deposits

$2.9B

Loans

$2.6B

Equity

$347M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 13.03%
Net Interest Margin (NIM) 3.26%
Yield on Assets 5.84%
Cost of Funds 3.26%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.19%
Texas Ratio 4.72%
NPA Ratio 0.50%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 10.76%
Tier 1 Capital 10.76%
Total Capital Ratio 11.44%
Leverage Ratio 9.45%
Loan-to-Deposit 89.85%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required