St. Charles Bank & Trust Company, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
St. Charles Bank & Trust Company, N.A. is the primary bank subsidiary of its parent holding company, headquartered in Saint Charles, IL. As of Q2 2026, the bank held approximately $3.7B in total assets and $3.1B in deposits. Profitability is strong, 1.53% ROA, paired with 15.16% ROE and a 3.13% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 11.07% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.66% NPL ratio. It operates 10 branches, primarily in Illinois.
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 0.66%, a Texas ratio of 5.70%, per financial data filed with the FFIEC.
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)
- Offices
- 10 domestic
- Employees (FTE)
- 110
- Domestic deposits
- $3.14B
- Allowance for credit losses
- $16.3M
- Net charge-offs (YTD)
- $2.7M
- 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 |
|---|---|---|
| Crane Timothy | CEO | PRESIDENT & CEO |
| Stoehr David L | CFO | CHIEF FINANCIAL OFFICER |
| Dykstra David A | COO | VICE CHAIRMAN AND COO |
| Zidar Thomas P | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| Boege Kathleen M | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| Lentino James V | CRO | SVP and Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full St. Charles Bank & Trust Company, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.07% | 1.53% | 0.66% | 5.70% | 3.13% |
| Q1 2026 | 10.87% | 1.35% | 0.74% | 6.44% | 3.07% |
| Q4 2025 | 10.76% | 1.32% | 0.65% | 5.86% | 3.13% |
| Q3 2025 | 11.06% | 1.51% | 0.69% | 5.95% | 3.11% |
| Q2 2025 | 10.66% | 1.52% | 0.55% | 5.02% | 3.14% |
| Q1 2025 | 10.53% | 1.33% | 0.64% | 6.39% | 3.26% |
| Q4 2024 | 10.42% | 1.31% | 0.88% | 8.54% | 3.18% |
| Q3 2024 | 10.48% | 1.16% | 0.78% | 6.86% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2019 | Structure Change | Acquired STC Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 19, 2016 | 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 |
| 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
What the public regulatory sources show for St. Charles Bank & Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is St. Charles Bank & Trust Company, N.A. headquartered?
St. Charles Bank & Trust Company, N.A. is headquartered in Saint Charles, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was St. Charles Bank & Trust Company, N.A. founded?
St. Charles Bank & Trust Company, N.A. was established in 1987, per the FDIC institution directory.
Is St. Charles Bank & Trust Company, N.A. FDIC-insured?
Yes. St. Charles Bank & Trust Company, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is St. Charles Bank & Trust Company, N.A.'s CET1 capital ratio?
St. Charles Bank & Trust Company, N.A. 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?
St. Charles Bank & Trust Company, N.A. 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?
St. Charles Bank & Trust Company, N.A.'s Texas Ratio is 5.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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