St. Charles Bank & Trust Company, National Association

BankSaint Charles, Illinois
www.bankstcharles.com

Total Assets

$3.5B

Total Deposits

$2.9B

Branches

10

Established

1987

TFS Health Grade

$
C

73.3 / 100

Average financial health

How we grade

St. Charles Bank & Trust Company, National Association is a bank headquartered in Saint Charles, Illinois, established in 1987. With $3.5B in total assets and 10 branch locations, it has a TFS Financial Health Grade of C (73.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.45%(8%)
Total Capital Ratio
11.44%(10%)
Non-Performing Loan Ratio
0.72%

Profitability

Return on Assets (ROA)
1.41%(1%)
Return on Equity (ROE)
14.01%(10%)
Net Interest Margin
3.21%
Efficiency Ratio
40.23%(60%)

Lending & Liquidity

Total Loans
$2.6B
Loan-to-Deposit Ratio
89.27%
Net Charge-Off Ratio
0.20%

Growth

Asset Growth (YoY)
+21.20%
Deposit Growth (YoY)
+20.42%
Net Income
$44.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Illinois