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St. Charles Bank & Trust Company, National Association
Saint Charles, IL · FDIC Certificate #27052 · Chartered 09/2
Total assets
$3.69B
Total deposits
$3.14B
Total equity
$367.39M
Net loans
$2.74B
Branches (offices)
10
Net income (YTD)
$25.57M
Rank: #355 of 4,213 U.S. banks by assets · #21 of 322 in Illinois. Assets changed 11.2% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 14.34% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 9.97% |
| Tier 1 leverage ratio | 9.64% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 87.4% |
| Real estate loans (share of loans) | 33.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $904.17M | 33.0% | |
| Commercial & industrial | $1.15B | 41.9% | |
| Consumer / individual | $441.68M | 16.1% | |
| Construction & development | $90.31M | 3.3% | |
| Agricultural | $7.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.91B | $1.63B | $9.49M | $218.69M |
| Jun 2023 | $2.43B | $2.04B | $16.45M | $240.84M |
| Jun 2024 | $2.78B | $2.37B | $19.34M | $276.24M |
| Jun 2025 | $3.31B | $2.86B | $21.54M | $319.40M |
| Jun 2026 | $3.69B | $3.14B | $25.57M | $367.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $3.14B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.14B.
Similar-sized banks
Macatawa Bank, National Association ($3.69B) · Cornerstone Capital Bank, SSB ($3.67B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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