Banks ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION

ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION

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

ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 10.76%, well above regulatory minimums. NPL ratio: 0.65% · Texas Ratio: 4.72%.

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 Margin3.26%
Yield on Assets5.84%
Cost of Funds2.66%

Asset Quality

NPL Ratio0.65%
Net Charge-Off Ratio0.19%
Texas Ratio4.72%
NPA Ratio0.50%
ACL / Loans0.64%

Capital & Liquidity

CET1 Ratio10.76%
Tier 1 Capital10.76%
Total Capital Ratio11.44%
Leverage Ratio9.45%
Loan-to-Deposit89.85%

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