St. Charles Bank & Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 2.66 percentage points in Q2 2026, from 90.62% to 87.96%. It was the largest change from Q1 2026 among the key lines here. St. Charles Bank & Trust Company, N.A. ranks 93rd of 323 Illinois banks on return on assets, in the upper half at 1.53% (Q2 2026). St. Charles Bank & Trust Company, N.A. reported 1.53% on return on assets for Q2 2026, 0.25 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.07% |
| Tier 1 risk-based capital ratio | 11.07% |
| Total risk-based capital ratio | 11.69% |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 9.97% |
| Tangible equity to tangible assets | 8.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.30% |
| Texas ratio | 5.70% |
| Allowance for credit losses to loans | 0.59% |
| Reserve coverage of non-performing loans | 89.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 15.16% |
| Net interest margin | 3.13% |
| Efficiency ratio | 36.80% |
| Yield on earning assets | 5.35% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.96% |
| Core deposits to total deposits | 81.29% |
| Brokered deposits to total deposits | 9.34% |
| Deposits to assets | 85.05% |
| Securities to assets | 17.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 10.64% | 11.42% | 9.31% | 1.42% |
| Q4 2023 | 10.70% | 10.70% | 11.49% | 9.53% | 1.41% |
| Q1 2024 | 11.01% | 11.01% | 11.77% | 9.74% | 1.65% |
| Q2 2024 | 10.54% | 10.54% | 11.31% | 9.70% | 1.34% |
| Q3 2024 | 10.48% | 10.48% | 11.31% | 9.40% | 1.16% |
| Q4 2024 | 10.42% | 10.42% | 11.22% | 9.33% | 1.31% |
| Q1 2025 | 10.53% | 10.53% | 11.33% | 9.74% | 1.33% |
| Q2 2025 | 10.66% | 10.66% | 11.34% | 9.48% | 1.52% |
| Q3 2025 | 11.06% | 11.06% | 11.71% | 9.46% | 1.51% |
| Q4 2025 | 10.76% | 10.76% | 11.44% | 9.45% | 1.32% |
| Q1 2026 | 10.87% | 10.87% | 11.56% | 9.38% | 1.35% |
| Q2 2026 | 11.07% | 11.07% | 11.69% | 9.64% | 1.53% |
St. Charles Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Charles Bank & Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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