St. Charles Bank & Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 6.85 percentage points in Q2 2026, from 18.43% to 25.28%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, St. Charles Bank & Trust Company, N.A. is 73rd of 323 on loan-to-deposit ratio, 87.96% as of Q2 2026, above the middle of the field. At 87.96%, St. Charles Bank & Trust Company, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.76B |
| Net loans and leases | $2.74B |
| Loans held for sale | $0 |
| Loans to total assets | 74.81% |
| Loan-to-deposit ratio | 87.96% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.27% |
| Multifamily (5+ residential) | 3.74% |
| Commercial and industrial | 41.61% |
| Consumer | 16.02% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.14% |
| Construction concentration (Tier 1 capital + allowance) | 25.28% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.62% |
| Interest income on loans | $36.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.83B | $2.12B | 18.16% | 40.16% | 25.29% |
| Q4 2023 | $1.89B | $2.07B | 17.37% | 39.94% | 25.95% |
| Q1 2024 | $1.94B | $2.21B | 18.52% | 39.92% | 25.81% |
| Q2 2024 | $2.12B | $2.37B | 17.80% | 43.40% | 22.93% |
| Q3 2024 | $2.20B | $2.51B | 18.69% | 42.50% | 22.36% |
| Q4 2024 | $2.29B | $2.43B | 17.84% | 43.56% | 21.41% |
| Q1 2025 | $2.36B | $2.54B | 17.23% | 43.55% | 20.79% |
| Q2 2025 | $2.46B | $2.86B | 16.11% | 43.92% | 19.43% |
| Q3 2025 | $2.48B | $2.84B | 16.27% | 42.53% | 17.21% |
| Q4 2025 | $2.63B | $2.92B | 17.48% | 40.77% | 17.11% |
| Q1 2026 | $2.71B | $2.99B | 17.73% | 40.96% | 16.86% |
| Q2 2026 | $2.76B | $3.14B | 17.27% | 41.61% | 16.02% |
St. Charles Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Charles Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-C, 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)