Total Assets
$3.5B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$2.9B
Customer-funded liabilities
Net Loans
$2.6B
Outstanding loan book
Net Income
$45M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
14.01%
Efficiency Ratio
40.23%
What the numbers say about St. Charles Bank & Trust Company, National Association
St. Charles Bank & Trust Company, National Association is an FDIC-insured institution (Certificate #27052) headquartered in Saint Charles, Illinois, established in 1987. It holds $3.5B in total assets - 371st of 4,313 FDIC-insured banks, $2.9B in customer deposits, and $2.6B in net loans. Capital-wise, the Tier 1 ratio sits at 10.76%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.16%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, St. Charles Bank & Trust Company, National Association sits in the top decile of all FDIC-insured institutions by asset size (371st of 4,313), and within Illinois it ranks 23rd of 330 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Banterra Bank, at $3.3B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Illinois by total assets
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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is St. Charles Bank & Trust Company, National Association's health grade?▼
St. Charles Bank & Trust Company, National Association receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is St. Charles Bank & Trust Company, National Association?▼
St. Charles Bank & Trust Company, National Association holds $3.5B in total assets and $2.9B in deposits, ranking 371st of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Charles, Illinois.
Is my money safe at St. Charles Bank & Trust Company, National Association?▼
Yes, deposits at St. Charles Bank & Trust Company, National Association (Certificate #27052) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is St. Charles Bank & Trust Company, National Association's Tier 1 Capital Ratio?▼
St. Charles Bank & Trust Company, National Association has a Tier 1 Capital Ratio of 10.76%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for St. Charles Bank & Trust Company, National Association?▼
St. Charles Bank & Trust Company, National Association has a Texas Ratio of 5.16%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is St. Charles Bank & Trust Company, National Association?▼
St. Charles Bank & Trust Company, National Association has an Efficiency Ratio of 40.23%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read St. Charles Bank & Trust Company, National Association's profile as a depositor or analyst.
- St. Charles Bank & Trust Company, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare St. Charles Bank & Trust Company, National Association against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.