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 St. Charles Bank & Trust Company, National Association
St. Charles Bank & Trust Company, National Association
| RSSD ID 428547 | CERTIFICATE 27052 | ABA NUMBER 71926650 |
| 411 W Main St |
Quarter Ended : |
2025-12-31 |
| Saint Charles, Illinois, 60174 |
Updated : |
2026-01-30 |
| www.bankstcharles.com |
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| Institution Profile |
| Year Opened : |
1987 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
104 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,454,109 |
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Total Interest Income | 173,689 |
| Total Liabilities | 3,106,707 |
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Total NonInterest Income | 10,726 |
| Total Bank Equity Capital | 347,402 |
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Total Interest Expense | 77,918 |
| Total Deposits | 2,923,184 |
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Total NonInterest Expense | 43,003 |
| Net Loans & Leases | 2,609,623 |
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Net Income | 44,930 |
| Loan Loss Allowance | 16,843 |
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Net Charge Offs | 4,897 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 334,965 |
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Total loans | 2,471,357 |
| Total assets for the leverage ratio | 3,331,892 |
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Loans secured by real estate: | 806,402 |
| Tier 1 Leverage Ratio | 9.45 |
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Commercial and industrial loans | 1,139,864 |
| Tier 1 Capital Ratio | 10.76 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 11.44 |
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Loans to individuals - Other | 436,242 |
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:· St. Charles Bank & Trust Company, National Association
