St. Charles Bank & Trust Company, National Association
Saint Charles, IL
IDRSSD: 428547
Total Assets
$3.45B
Latest filing
Total Deposits
$2.92B
Latest filing
Net Interest Margin
3.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071926650ST. CHARLES, IL
Key People
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Locations
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Main Office
St. Charles Bank & Trust Company, National Association
411 W Main St
Saint Charles, IL 60174
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/21/1987FDIC Certificate 38571
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| St. Charles Bank & Trust Company, National Association (Main) | 411 W Main St | Saint Charles, IL |
| ELGIN BRANCH | 1001 S Randall Rd | Elgin, IL |
| SUMMIT BRANCH | 445 Summit St | Elgin, IL |
| TYLER CREEK PLAZA BANKING CENTER | 50 Tyler Creek Plz | Elgin, IL |
| FOXFIELD OFFICE BRANCH | 2825 Foxfield Rd | Saint Charles, IL |
| GENEVA BANK AND TRUST BRANCH | 514 W State St | Geneva, IL |
| AURORA BRANCH | 2287 W Galena Blvd | Aurora, IL |
| ROCKFORD BANK & TRUST BRANCH | 1825 N Perryville Rd | Rockford, IL |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/21/1987 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 60174 |
| State and County Number | 17089 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 103 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/21/1987 |
| Primary Insurance Agency | DIF |
| Website | www.bankstcharles.com |
| Data Updated | 01/30/2026 |
| CERT | 27052 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.45B |
| Total Deposits | $2.92B |
| Total Liabilities | $3.11B |
| Total Equity Capital | $347.40M |
| Net Income | $11.12M |
| Net Loans and Leases | $2.61B |
| Assets Per Employee ($Millions) | $33.21M |
| Bank Premises and Fixed Assets | $37.04M |
| Cash and Balances due from Depository Institutions | $35.60M |
| Deposits Held in Domestic Offices | $2.92B |
Key Performance Ratios
| Return on Assets (ROA) | 1.32% |
| Return on Equity (ROE) | 13.03% |
| Net Interest Margin | 3.22% |
| Efficiency Ratio | 38% |
| Tier 1 Risk-Based Capital Ratio | 10.761% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.058% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $45.41M |
| Total Noninterest Income | $2.98M |
| Total Interest Expense | $20.05M |
| Total Noninterest Expense | $10.80M |
| Net Interest Income | $25.36M |
| Pre-tax Net Operating Income | $15.23M |
| Provision for Credit Losses | $2.31M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $163.65M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.28M |
| Total Liabilities and Capital | $3.45B |
Securities
| Securities | $590.37M |
| Available-for-sale debt securities | $490.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $97.88M |
| Subordinated Debt | $0 |
| Trading Account Assets | $2.59M |
| Trading Liabilities | $2.59M |
Frequently Asked Questions
What are the total assets of St. Charles Bank & Trust Company, National Association?
$3.45B as of the latest filing.
How much are St. Charles Bank & Trust Company, National Association's total deposits?
$2.92B in total deposits.
Where is St. Charles Bank & Trust Company, National Association located?
Saint Charles, IL.
What is the Net Interest Margin?
3.22%.
How many domestic offices does it operate?
10.
When was it established?
09/21/1987.
What is the Return on Assets (ROA)?
1.32%.
How much are total loans and leases?
$2.61B (latest filing).
What is the total interest income (latest filing)?
$45.41M.