St. Charles Bank & Trust Company, National Association is a national bank headquartered in Saint Charles, Illinois, in business for about 39 years. At the end of Q2 2026 it reported $3.7B in total assets and $3.1B in deposits, with 10 offices.
Based on its Q2 2026 filing, St. Charles Bank & Trust Company, National Association scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 207th. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is capital cushion (46/100; 9.64%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 60 |
| Q1 2025 | 64 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.70% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.33% |
| Q1 2025 | 9.74% |
| Q2 2025 | 9.48% |
| Q3 2025 | 9.46% |
| Q4 2025 | 9.45% |
| Q1 2026 | 9.38% |
| Q2 2026 | 9.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.98% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.70% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $3.7B | 9.64% | 0.70% | 1.44% | 87.4% |
| Q1 2026 | 64 | $3.5B | 9.38% | 0.78% | 1.36% | 90.0% |
| Q4 2025 | 65 | $3.5B | 9.45% | 0.72% | 1.41% | 89.3% |
| Q3 2025 | 65 | $3.3B | 9.46% | 0.74% | 1.45% | 87.0% |
| Q2 2025 | 67 | $3.3B | 9.48% | 0.58% | 1.41% | 85.6% |
| Q1 2025 | 64 | $3.0B | 9.74% | 0.74% | 1.33% | 92.4% |
| Q4 2024 | 60 | $2.8B | 9.33% | 0.98% | 1.36% | 93.5% |
| Q3 2024 | 63 | $2.9B | 9.40% | 0.81% | 1.36% | 86.9% |
| Q2 2024 | 64 | $2.8B | 9.70% | 0.92% | 1.47% | 88.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Parkway Bank and Trust CompanyBank Harwood Heights, IL | 66 out of 100, Moderate | $3.7B | 11.5% | 1.05% | vs |
| Village Bank and Trust, National AssociationBank Arlington Heights, IL | 70 out of 100, Strong | $3.6B | 9.5% | 0.46% | vs |
| Old Plank Trail Community Bank, National AssociationBank New Lenox, IL | 67 out of 100, Moderate | $3.5B | 8.8% | 0.28% | vs |
| Carrollton BankBank Carrollton, IL | 58 out of 100, Moderate | $3.9B | 8.0% | 0.36% | vs |
| Banterra BankBank Marion, IL | 66 out of 100, Moderate | $3.4B | 9.4% | 0.37% | vs |
| Libertyville Bank & Trust Company, National AssociationBank Libertyville, IL | 69 out of 100, Moderate | $3.3B | 9.2% | 0.39% | vs |
Deposit insurance
Is my money safe at St. Charles Bank & Trust Company, National Association?
Yes. St. Charles Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #27052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.2% of deposits ($977.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.69% (benchmark: 10%).
10 locations
Branches
St. Charles Bank & Trust Company, National Association lists 10 offices in 6 cities. Most locations:
- Elgin, IL (3)
- Rockford, IL (2)
- Saint Charles, IL (2)
- Aurora, IL (1)
- Geneva, IL (1)
- Machesney Park, IL (1)
HMDA 2025
Mortgage lending
In 2025, St. Charles Bank & Trust Company, National Association reported 113 home-loan applications under HMDA (LEI 549300UDBUNBNEKR8J69): 87 originated ($62,805,000 total), 4 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- St. Charles Bank & Trust Company, National Association
- Former names
- St. Charles Bank & Trust Company; Hinsbrook Bank and Trust
- Type
- National bank
- FDIC certificate #
- 27052
- RSSD ID
- 428547
- Primary regulator
- OCC
- Holding company
- Wintrust Financial Corp
- Established
- September 21, 1987
- Headquarters
- 411 W Main St, Saint Charles, IL 60174
- Website
- www.bankstcharles.com
- Employees
- 110
Quick answers
St. Charles Bank & Trust Company, National Association: common questions
Is St. Charles Bank & Trust Company, National Association FDIC insured?
Yes. St. Charles Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #27052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is St. Charles Bank & Trust Company, National Association's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has St. Charles Bank & Trust Company, National Association ever failed?
There is no failure record for FDIC certificate #27052 in the FDIC failed bank list.
How many branches does St. Charles Bank & Trust Company, National Association have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Charles
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Earthmover Credit UnionCredit union Aurora, IL | 87 out of 100, Very strong | $471.7M | 19.3% | 0.75% | vs |
| Molex Employees Federal Credit UnionCredit union Lisle, IL | 84 out of 100, Strong | $6.5M | 18.4% | 0.47% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |