St. Charles Bank & Trust Company, National Association

Saint Charles, IL

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

My Lists My Alerts

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	4.80
Capitalization Index	8.00
Liquidity Index	2.50
Profitability Index	7.60
Stability Index	7.70

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	11.21%
5-Year Asset Growth	18.40%
5-Year Charge-Offs to Average Loans	0.08%
Charge-Offs to Average Loans	0.20%
Non-Performing Assets to Assets	0.49%
Non-Performing Loans to Capital	5.43%
Non-Performing Loans to Loans	0.66%

Balance Sheet	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	3.69B
Total Deposits	3.14B

Capital and Reserves	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Capital	367.39M
Leverage Ratio	9.64
Loan Loss Reserves to Loans	0.59%
Risk-Based Capital Ratio	11.69

Liquidity	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	18.64%
Liquidity Ratio	5.87%

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	1.31%
Net Income	25.57M
Net Interest Spread	3.11%
Operating Profit to Average Assets	1.95%
Overhead Efficiency Ratio	37.70%
Return on Assets	1.44%
Return on Equity	14.36%