St. Charles Bank & Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
St. Charles Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Saint Charles, IL, established in 1987 (FDIC certificate 27052), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.69B, up 11.2% from Q2 2025, the 20th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.07% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27052
- Headquarters
- Saint Charles, IL
- Established
- 1987
- Total assets, Q2 2026
- $3.69B
- Assets vs Q2 2025
- +11.2%
- CET1 ratio, Q2 2026
- 11.07%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 071926650
- Latest call report
- Q2 2026, FFIEC 041 · St. Charles Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 20th of 319 in Illinois
St. Charles Bank & Trust Company, N.A. runs leaner than most banks of its size. Based in Saint Charles, Illinois, it had $3.7 billion in assets at June 30, 2026, up 11.2% from a year earlier. It spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 11.07% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.50%).
The non-owner-occupied commercial real estate book ($298 million) is worsening: 4.39% of it is past due or on nonaccrual, up from 2.92% a year earlier. Net income for the quarter rose 15% from a year earlier, to $14 million. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, St. Charles Bank & Trust Company, N.A. reported a CET1 capital ratio of 11.07%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 5.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, St. Charles Bank & Trust Company, N.A. is the 20th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $3.69B, loans rose 1.7% and deposits rose 4.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 41.6% of total loans, followed by other consumer loans at 16.0%. Its 10 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Saint Charles 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, St. Charles Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 411 W Main St, Saint Charles, IL 60174
- County
- Kane
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 21, 1987
- Former names
- St. Charles Bank & Trust Company (2006-2020)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 110
- Domestic deposits
- $3.14B
- Allowance for credit losses
- $16.3M
- Net charge-offs (YTD)
- $2.7M
- Average total assets
- $3.58B
- Average total loans
- $2.61B
- Average interest-bearing deposits
- $2.53B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 21, 1987
- FDIC Cert
- 27052
- Fed RSSD
- 428547
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.bankstcharles.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, St. Charles Bank & Trust Company, N.A.'s total assets ran between $2.48B (Q4 2023) and $3.69B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.69B total assets against $3.31B; $3.32B total liabilities against $3.00B.
$2.74B net loans and leases against $2.45B; $3.14B total deposits against $2.86B.
$655.7M securities against $400.8M; $126.9M cash and balances due against $297.2M.
$46.1M total interest income against $42.9M; $19.2M total interest expense against $19.4M.
$26.9M net interest income against $23.5M.
$3.2M total noninterest income against $2.6M; $11.1M total noninterest expense against $10.7M.
$390K provision for credit losses against -$685K.
$13.7M net income against $11.9M.
1.53% return on assets against 1.52%; 3.13% net interest margin against 3.14%.
11.07% CET1 capital ratio against 10.66%; 9.64% tier 1 leverage ratio against 9.48%.
Inside the full St. Charles Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSt. Charles Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 119 of 3,606, for efficiency ratio; its furthest is 1,940 of 2,134, for CET1 ratio.
Metric pages for St. Charles Bank & Trust Company, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.16% (Q3 2024) to 1.53% (Q2 2026) and its net interest margin ran from 3.07% (Q1 2026) to 3.26% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.07% | 1.53% | 0.70% | 5.69% | 3.13% |
| Q1 2026 | 10.87% | 1.35% | 0.78% | 6.43% | 3.07% |
| Q4 2025 | 10.76% | 1.32% | 0.72% | 5.85% | 3.13% |
| Q3 2025 | 11.06% | 1.51% | 0.74% | 5.94% | 3.11% |
| Q2 2025 | 10.66% | 1.52% | 0.58% | 4.84% | 3.14% |
| Q1 2025 | 10.53% | 1.33% | 0.74% | 6.19% | 3.26% |
| Q4 2024 | 10.42% | 1.31% | 0.98% | 8.32% | 3.18% |
| Q3 2024 | 10.48% | 1.16% | 0.81% | 6.63% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. Charles Bank & Trust Company, N.A. (main office) | Saint Charles , IL | 60174 | $1.01B |
| Elgin Branch | Elgin , IL | 60123 | $783.7M |
| Rockford Bank & Trust Branch | Rockford , IL | 61107 | $655.4M |
| Geneva Bank and Trust Branch | Geneva , IL | 60134 | $148.0M |
| Aurora Branch | Aurora , IL | 60506 | $140.7M |
| Tyler Creek Plaza Banking Center | Elgin , IL | 60123 | $102.5M |
| Machesney Park Branch | Machesney Park , IL | 61115 | $100.1M |
| Summit Branch | Elgin , IL | 60120 | $93.9M |
| Foxfield Office Branch | Saint Charles , IL | 60174 | $81.4M |
| Rockford Community Bank, A Branch of St. Charles Bank and Trust Company, N.A. | Rockford , IL | 61104 | $17.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 7, 2019 | Structure Change | Acquired STC Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 19, 2016 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 19, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2011 | Structure Change | Acquired The Elgin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2006 | Structure Change | Sale of Assets | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action August 5, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in IL, rank 30 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 163 applications, 87 loans originated, $62.8M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $12.1M approved, $606K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about St. Charles Bank & Trust Company, N.A.
What are St. Charles Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, St. Charles Bank & Trust Company, N.A. reported total assets of $3.69 billion in its FFIEC call report.
Where is St. Charles Bank & Trust Company, N.A. headquartered?
It is headquartered in Saint Charles, IL, United States.
When was St. Charles Bank & Trust Company, N.A. founded?
It was established in 1987, per the FDIC institution directory.
Is St. Charles Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates St. Charles Bank & Trust Company, N.A.?
St. Charles Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is St. Charles Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does St. Charles Bank & Trust Company, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is St. Charles Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 5.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was St. Charles Bank & Trust Company, N.A. previously called?
The charter now named St. Charles Bank & Trust Company, N.A. has also operated as St. Charles Bank & Trust Company (2006-2020), per FDIC structure-change records.
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