St. Charles Bank & Trust Company, National Association

Saint Charles, IL

Rating Date

June 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	4.40
Capitalization Index	8.00
Liquidity Index	1.70
Profitability Index	7.10
Stability Index	7.80

Company Info	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
FDIC Number	27052
Phone Number	(630) 377-9500
Website	www.bankstcharles.com

Asset Quality	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	13.15%
5-Year Asset Growth	17.36%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.40%
Non-Performing Assets to Assets	0.50%
Non-Performing Loans to Capital	5.95%
Non-Performing Loans to Loans	0.64%

Balance Sheet	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.97B
Total Deposits	2.54B

Capital and Reserves	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Capital	307.13M
Leverage Ratio	9.74
Loan Loss Reserves to Loans	0.80%
Risk-Based Capital Ratio	11.33

Liquidity	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	20.50%
Liquidity Ratio	7.98%

Profitability	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.12%
Net Income	9.68M
Net Interest Spread	3.27%
Operating Profit to Average Assets	1.80%
Overhead Efficiency Ratio	42.55%
Return on Assets	1.33%
Return on Equity	12.89%