FDIC Cert #27052 · Saint Charles, Illinois · Est. 1987

St. Charles Bank & Trust Company, National Association - FDIC Bank Health Profile

A community-scale look at St. Charles Bank & Trust Company, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.5B
Total assets
B
Health grade · Good
1.41%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

St. Charles Bank & Trust Company, National Association earns a PlainBankData health grade of B (79/100), with well-capitalized at 10.76% Tier 1, profitable at 1.41% ROA, efficient (40% cost ratio).

#371
largest of 4,313 FDIC banks by assets
91st
percentile by asset size, nationally
10.76%
Tier 1 ratio - above the 10% well-capitalized line
70th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 27052 · IL B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2060/4307
  • PHOTO-FINISH STAR Financial Bank · IN
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-CLEAN 5.2% Texas
  • ROA-STRONG 1.41% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: STAR Financial Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around St. Charles Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Federal Bank · ND ·…79/100American National Ba… · MN ·…79/100St. Charles Bank & T… · IL ·…79/100STAR Financial Bank · IN · n…79/100The Bankers Bank · OK · near79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around St. Charles Bank & Trust Company · July 2026

Call Report read for St. Charles Bank & Trust Company in a high-failure state

St. Charles Bank & Trust Company, National Association (FDIC Cert #27052) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,060 of 4,307. Tier 1 capital prints at 10.76%, clearing the 10% well-capitalized line. The Texas Ratio is 5.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.41%. Balance-sheet scale is $3.5B, 371st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is STAR Financial Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around St. Charles Bank & Trust Company

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

St. Charles Bank & Trust Company, National Association sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about St. Charles Bank & Trust Company, National Association's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How St. Charles Bank & Trust Company, National Association's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
St. Charles Bank & Trust Company, National Association's composite health score
Tier 1 Capital Ratio (10.76%) 28/40
Return on Assets (ROA) (1.41%) 20/25
Texas Ratio (5.16%) 16/20
Efficiency Ratio (40.23%) 15/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.5B

Total balance-sheet footings

Total Deposits

$2.9B

Customer-funded liabilities

Net Loans

$2.6B

Outstanding loan book

Net Income

$45M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.36% 10.76% 12.16%
Basel III capital ratios - St. Charles Bank & Trust Company, National Association

Where St. Charles Bank & Trust Company, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. St. Charles Bank & Trust Company, National Association's score of 79/100 falls in the highlighted band.

St. Charles Bank & Trust Company, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. St. Charles Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

St. Charles Bank & Trust Company, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). St. Charles Bank & Trust Company, National Association's $3.5B falls in the highlighted band.

Capital & credit buffers at St. Charles Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

10.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.76%
Texas Ratio
5.16%
Equity Capital
$347M

What these ratios mean →

Earnings posture at St. Charles Bank & Trust Company

Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
14.01%
Efficiency Ratio
40.23%

What these mean →

Income & expense at St. Charles Bank & Trust Company

$174M
Interest Income
$11M
Non-Interest Income
$43M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. St. Charles Bank & Trust Company, National Association reports a Texas Ratio of 5.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View St. Charles Bank & Trust Company, National Association on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.5B here), outside Illinois so the neighborhood is not state containment.

The Farmers & Merchants State Bank $3.4B · OH Home Bank $3.5B · LA First Farmers Bank & Trust Co. $3.4B · IN SouthEast Bank $3.5B · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) St. Charles Bank & Trust Company, National Association (FDIC Cert #27052) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

St. Charles Bank & Trust Company, National Association Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%