C
St. Charles Bank & Trust Company, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
11.71
Leverage
Ratio
9.46
Return On
Assets
1.46%
Total
Assets
3.30B
Capital
335.40M
Total
Deposits
2.84B
Net
Income
33.81M
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Weiss Ratings St. Charles Bank & Trust Company, National Association
Saint Charles, IL 		Click to
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Rating C
Asset Quality Index 4.40
Capitalization Index 7.70
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
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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
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1-Year Asset Growth 12.87%
5-Year Asset Growth 17.36%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.25%
Non-Performing Assets to Assets 0.52%
Non-Performing Loans to Capital 5.72%
Non-Performing Loans to Loans 0.69%
Balance Sheet St. Charles Bank & Trust Company, National Association
Saint Charles, IL 		Click to
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Total Assets 3.30B
Total Deposits 2.84B
Capital and Reserves St. Charles Bank & Trust Company, National Association
Saint Charles, IL 		Click to
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Capital 335.40M
Leverage Ratio 9.46
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 11.71
Liquidity St. Charles Bank & Trust Company, National Association
Saint Charles, IL 		Click to
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Hot Money Ratio 18.34%
Liquidity Ratio 10.42%
Profitability St. Charles Bank & Trust Company, National Association
Saint Charles, IL 		Click to
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5-Year Return on Average Assets 1.12%
Net Income 33.81M
Net Interest Spread 3.18%
Operating Profit to Average Assets 1.98%
Overhead Efficiency Ratio 41.20%
Return on Assets 1.46%
Return on Equity 14.37%