Side-by-side · Q2 2026 data
St. Charles Bank & Trust Company, National Association vs State Bank of India
Bank
St. Charles Bank & Trust Company, National Association
Saint Charles, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | St. Charles Bank & Trust Company, National Association | State Bank of India |
|---|---|---|
| TellerScore | 66 (stronger) | 41 |
| Capital cushion | 46 (stronger) | 0 |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 77 (stronger) | 20 |
| Funding & liquidity | 55 (stronger) | 50 |
| Problem-loan coverage | 90 | — |
| Peer percentile | 40th | 2nd |
| Total assets | $3.7B | $4.3B |
| Deposits / shares | $3.1B | $3.3B |
| Capital ratio | 9.64% (stronger) | 0.00% |
| Problem loans | 0.70% | 0.00% (stronger) |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 1.44% (stronger) | 0.00% |
| Loans ÷ deposits | 87.4% (stronger) | 124.3% |
| Uninsured deposits | 31.2% | 2.1% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
St. Charles Bank & Trust Company, National Association has the higher TellerScore (66 vs 41). On the 7 directional measures above (where higher or lower is clearly better), St. Charles Bank & Trust Company, National Association leads on 4 and State Bank of India on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.