St. Charles Bank & Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 10.8% in Q2 2026, from -$15.2M to -$16.8M. It was the largest change from Q1 2026 among the key lines here. St. Charles Bank & Trust Company, N.A. ranks 172nd of 198 Illinois banks on CET1 ratio, in the lower half at 11.07% (Q2 2026). St. Charles Bank & Trust Company, N.A. reported 11.07% on CET1 ratio for Q2 2026, 2.41 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.07% |
| Tier 1 risk-based capital ratio | 11.07% |
| Total risk-based capital ratio | 11.69% |
| Tier 1 leverage ratio | 9.64% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $341.0M |
| Tier 1 capital | $341.0M |
| Total risk-based capital | $360.2M |
| Total equity capital | $367.4M |
| Risk-weighted assets | $3.08B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.97% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 10.26% |
| Internal capital growth rate | 15.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $121K |
| Common stock surplus | $166.1M |
| Retained earnings | $217.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 10.64% | 11.42% | 9.31% | $2.11B |
| Q4 2023 | 10.70% | 10.70% | 11.49% | 9.53% | $2.18B |
| Q1 2024 | 11.01% | 11.01% | 11.77% | 9.74% | $2.21B |
| Q2 2024 | 10.54% | 10.54% | 11.31% | 9.70% | $2.39B |
| Q3 2024 | 10.48% | 10.48% | 11.31% | 9.40% | $2.49B |
| Q4 2024 | 10.42% | 10.42% | 11.22% | 9.33% | $2.60B |
| Q1 2025 | 10.53% | 10.53% | 11.33% | 9.74% | $2.65B |
| Q2 2025 | 10.66% | 10.66% | 11.34% | 9.48% | $2.73B |
| Q3 2025 | 11.06% | 11.06% | 11.71% | 9.46% | $2.75B |
| Q4 2025 | 10.76% | 10.76% | 11.44% | 9.45% | $2.93B |
| Q1 2026 | 10.87% | 10.87% | 11.56% | 9.38% | $3.01B |
| Q2 2026 | 11.07% | 11.07% | 11.69% | 9.64% | $3.08B |
St. Charles Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Charles Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full St. Charles Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27052) · FFIEC NIC profile (RSSD 428547)