St. Charles Bank & Trust Company, National Association

Saint Charles, IL

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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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	7.70
Liquidity Index	2.40
Profitability Index	7.50
Stability Index	7.50

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	21.20%
5-Year Asset Growth	18.40%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.20%
Non-Performing Assets to Assets	0.50%
Non-Performing Loans to Capital	5.66%
Non-Performing Loans to Loans	0.65%

Balance Sheet	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	3.45B
Total Deposits	2.92B

Capital and Reserves	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Capital	347.40M
Leverage Ratio	9.45
Loan Loss Reserves to Loans	0.64%
Risk-Based Capital Ratio	11.44

Liquidity	St. Charles Bank & Trust Company, National Association Saint Charles, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	17.24%
Liquidity Ratio	4.46%

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	44.93M
Net Interest Spread	3.16%
Operating Profit to Average Assets	1.94%
Overhead Efficiency Ratio	40.38%
Return on Assets	1.42%
Return on Equity	14.01%