St. Charles Bank & Trust Company
St. Charles Bank & Trust Company reported total assets of $3.7 bn at Q2 2026, up 11.2% on a year earlier, the 349th largest of 497 banks in our US coverage. The CET1 capital ratio at St. Charles Bank & Trust Company was 11.07%. St. Charles Bank & Trust Company held deposits of $3.1 bn. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, St. Charles Bank & Trust Company slipped from 316th to 379th among 500 US banks between and (1 = highest; FDIC Call Reports).
- St. Charles Bank & Trust Company reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 37.61% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- Since , St. Charles Bank & Trust Company has taken over 2 institutions; the latest was STC Capital Bank on (FDIC Call Reports).
What sets St. Charles Bank & Trust Company apart
How large is St. Charles Bank & Trust Company?
The balance sheet of St. Charles Bank & Trust Company at : assets $3.7 bn, deposits $3.1 bn, net loans $2.7 bn (loans equal to 87.44% of deposits). Securities make up 17.8% of total assets at St. Charles Bank & Trust Company. Since , when St. Charles Bank & Trust Company held $811.8 mn, its assets grew 354.1%. In the year to , deposits at St. Charles Bank & Trust Company rose 9.6% while its total assets rose 11.2%. At , St. Charles Bank & Trust Company employed 110 full-time equivalent staff across 10 offices, about $33.5 mn of assets per employee and $313.5 mn of deposits per office.
How much funding at St. Charles Bank & Trust Company is uninsured?
At St. Charles Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 31.17% of domestic deposits at (+0.22 pp on a year earlier); St. Charles Bank & Trust Company ranks 295th of 500 on this measure. In dollars, St. Charles Bank & Trust Company estimated $977.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | +9.6% | 342nd of 499 |
| Net loans and leases | $2.7 bn | +12.0% | 338th of 500 |
| Loan-to-deposit ratio | 87.44% | +1.88 pp | 244th of 500 |
| Tier 1 leverage ratio | 9.64% | +0.16 pp | 355th of 500 |
| Total risk-based capital ratio | 11.69% | +0.35 pp | 430th of 448 |
| Net interest margin | 3.15% | -0.07 pp | 379th of 500 |
| Return on assets (ROA) | 1.44% | +0.02 pp | 177th of 500 |
| Efficiency ratio | 37.61% | -4.03 pp | 48th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $15.6 mn | Narrowed by $1.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $22.7 mn | Widened by $1.5 mn | |
| Noncurrent loans to total loans | 0.70% | +0.13 pp | 283rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.20% | -0.14 pp | 353rd of 500 (1 = lowest) |
US rank of St. Charles Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
St. Charles Bank & Trust Company: assets, deposits and loans
- Total assets $3.7bn
- Deposits $3.1bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of St. Charles Bank & Trust Company stood at 11.07% in , +0.41 pp year on year. Low and high at St. Charles Bank & Trust Company since : 10.30% () to 11.50% (). Equity capital of St. Charles Bank & Trust Company at : $367.4 mn, or 10.0% of total assets. St. Charles Bank & Trust Company also reported a total capital ratio of 11.69% for , and a tier 1 leverage ratio of 9.64%.
On held-to-maturity securities, St. Charles Bank & Trust Company carried an unrealized loss of $15.6 mn at , equal to 4.2% of equity capital. The loss narrowed by $1.7 mn over the year. Its deepest point: $23.6 mn in . The available-for-sale portfolio of St. Charles Bank & Trust Company showed an unrealized loss of $22.7 mn at ; the loss widened by $1.5 mn over the year.
St. Charles Bank & Trust Company: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.6%
St. Charles Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$23mn
- Held to maturity -$16mn
Profitability and loan quality
For the year to , St. Charles Bank & Trust Company earned a return on equity of 14.34%; return on assets: 1.44%. Net interest margin at St. Charles Bank & Trust Company: 3.15%, -0.07 pp in a year. St. Charles Bank & Trust Company net income: $25.6 mn, up 18.7% year on year. The efficiency ratio of St. Charles Bank & Trust Company was 37.61%: about 38 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.70% of total loans at St. Charles Bank & Trust Company; net charge-offs: 0.20% of average loans. Gross loans and leases at St. Charles Bank & Trust Company: $2.8 bn, up 12.0% in a year.
St. Charles Bank & Trust Company: profitability
- Return on equity 14%
- Net interest margin 3.1%
- Return on assets 1.4%
Peer group of St. Charles Bank & Trust Company
The peer group of St. Charles Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of St. Charles Bank & Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, St. Charles Bank & Trust Company shows CET1 ratio 11.07% against a peer median of 12.21%, return on equity 14.34% against a peer median of 11.02% and uninsured deposit share 31.17% against a peer median of 30.97%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| ENCORE BANK | State member bank | AR | $3.7 bn | 11.83% | 4.49% | 39.81% | |
| D. L. Evans Bank | State nonmember bank | ID | $3.7 bn | not reported | 14.79% | 30.15% | |
| Macatawa Bank | National bank | MI | $3.7 bn | 11.37% | 11.42% | 37.25% | |
| St. Charles Bank & Trust Company | National bank | IL | $3.7 bn | 11.07% | 14.34% | 31.17% | |
| Cornerstone Capital Bank, SSB | State-chartered stock savings bank | TX | $3.7 bn | not reported | 1.00% | 25.72% | |
| Frandsen Bank & Trust | State member bank | MN | $3.7 bn | 13.89% | 15.71% | 31.80% | |
| Parkway Bank and Trust Company | State nonmember bank | IL | $3.7 bn | 12.59% | 10.61% | 13.20% | |
. FDIC Call Reports.
Last eight quarters
Two years at St. Charles Bank & Trust Company, to : assets +26.0%, deposits +25.1%, equity +25.8%. Staff 98 to 110; offices 8 to 10.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.8 bn | $3.0 bn | $3.3 bn | $3.3 bn | $3.5 bn | $3.5 bn | $3.7 bn |
| Total deposits | $2.5 bn | $2.4 bn | $2.5 bn | $2.9 bn | $2.8 bn | $2.9 bn | $3.0 bn | $3.1 bn |
| Bank equity capital | $292.0 mn | $293.7 mn | $307.1 mn | $319.4 mn | $335.4 mn | $347.4 mn | $355.2 mn | $367.4 mn |
| CET1 ratio | 10.48% | 10.42% | 10.53% | 10.66% | 11.06% | 10.76% | 10.87% | 11.07% |
| Return on equity (ROE) | 13.37% | 13.35% | 12.89% | 14.05% | 14.36% | 14.01% | 13.53% | 14.34% |
| Uninsured share of domestic deposits | 34.06% | 31.64% | 30.05% | 30.95% | 29.63% | 29.11% | 28.38% | 31.17% |
| Full-time equivalent employees | 98 | 101 | 101 | 110 | 103 | 104 | 105 | 110 |
| Number of offices | 8 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of St. Charles Bank & Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed First Community Bank (FDIC certificate 33842).
- . Absorbed STC Capital Bank (FDIC certificate 58127).
Questions and identifiers
What were the total assets of St. Charles Bank & Trust Company?
St. Charles Bank & Trust Company reported $3.7 bn at in its Call Report. That makes St. Charles Bank & Trust Company the 349th largest of 497 banks in our US coverage.
Is St. Charles Bank & Trust Company the same as its holding company?
No. This page covers St. Charles Bank & Trust Company, FDIC certificate 27052; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is St. Charles Bank & Trust Company profitable?
St. Charles Bank & Trust Company reported net income of $25.6 mn for the year to ; annualized return on equity: 14.34%. So yes: St. Charles Bank & Trust Company made a profit over these months.
When is data for St. Charles Bank & Trust Company next updated?
Figures from St. Charles Bank & Trust Company for are due after .
Where can I check the figures for St. Charles Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 27052, and in the Call Reports of St. Charles Bank & Trust Company (RSSD ID 428547) at the FFIEC Central Data Repository.