St. Charles Bank & Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks St. Charles Bank & Trust Company, N.A. of Saint Charles, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.46% | +0.07% | 68th above |
| ROAE | 15.16% | 12.71% | +2.45% | 72nd above |
| Net Interest Margin | 3.13% | 3.85% | -0.72% | 19th bottom |
| Efficiency Ratio | 36.80% | 57.43% | -20.63% | 95th top |
| PPNR / Avg Assets | 2.12% | 1.88% | +0.24% | 74th above |
| Yield on Earning Assets | 5.35% | 5.72% | -0.37% | 38th below |
| Cost of Funds | 2.41% | 2.02% | +0.39% | 24th bottom |
| Net Interest Spread | 2.58% | 3.18% | -0.60% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 1.00% | -0.34% | 48th below |
| NPA / Total Assets | 0.49% | 0.76% | -0.27% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.30% | 0.43% | -0.13% | 14th bottom |
| ACL / Total Loans | 0.59% | 1.31% | -0.72% | 5th bottom |
| ACL / NPLs (Coverage) | 89.82% | 544.01% | -454.19% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.70% | 7.39% | -1.69% | 44th below |
| Provision / NCO | 81.14% | 619.51% | -538.37% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.07% | 17.35% | -6.28% | 11th bottom |
| Tier 1 Ratio | 11.07% | 17.38% | -6.31% | 11th bottom |
| Total Capital Ratio | 11.69% | 18.43% | -6.74% | 6th bottom |
| Leverage Ratio | 9.64% | 11.44% | -1.80% | 26th below |
| Equity / Assets | 9.97% | 11.34% | -1.37% | 42nd below |
| TCE / Tangible Assets | 8.90% | 10.50% | -1.60% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.96% | 86.95% | +1.01% | 51st above |
| Core Deposit Ratio | 81.29% | 85.56% | -4.27% | 23rd bottom |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.17% | 33.13% | -1.96% | 49th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.44% | 5.71% | -1.27% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.21% | 9.68% | +1.53% | 80th top |
| Loan Growth (Y/Y) | 11.96% | 8.05% | +3.91% | 79th top |
| Deposit Growth (Y/Y) | 9.65% | 7.87% | +1.78% | 74th above |
See St. Charles Bank & Trust Company, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock St. Charles Bank & Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full St. Charles Bank & Trust Company, N.A. profile, how to read a UBPR, or how this data updates.