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%.
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