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St. Charles Bank & Trust Company, National Association


St. Charles Bank & Trust Company, National Association is an FDIC insured institution headquartered at 411 W Main St, Saint Charles, IL 60174.
It was founded in 1987 and has approximately $3 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - March 24, 2026

SAVINGS RATES APY MIN
Savings
0.02% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
Special: 11 Mo CD
0.55% $1,000 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
Special: 17 Mo CD
0.95% $1,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.30% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.35% $100,000 Compare
30 Mo CD
0.39% $10,000 Compare
30 Mo CD
0.39% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.65% $10,000 Compare
48 Mo CD
0.65% $100,000 Compare
60 Mo CD
0.90% $10,000 Compare
60 Mo CD
0.90% $100,000 Compare
MM RATES APY MIN
Money Market
0.02% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.03% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 11 Mo FIRA
0.55% $1,000
Special: 17 Mo FIRA
0.95% $1,000
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.01% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27052
Date Established 1987
Assets $ 3.30 billion
Loans $ 2.47 billion
Deposits $ 2.84 billion
Capital $ 335.40 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 195.47 million
Interest-bearing balances $ 169.04 million
Total securities $ 447.10 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 2.47 billion
Loan loss allowance $ 15.76 million
Trading account assets $ 2.87 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 43.33 million
All other assets $ 45.42 million
     Total Assets $ 2.97 billion

LIABILITIES
Total deposits $ 2.84 billion
      Interest-bearing deposits $ 2.43 billion
      Deposits held in domestic offices $ 2.84 billion
      % insured (estimated)" 70.39%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 2.87 million
Other borrowed funds $ 50.89 million
Subordinated debt N.A.
All other liabilities $ 6.69 millionn
      Total Liabilities $ 2.97 billion
      Shareholders’ Equity $ 335.40 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 128.28 million
Total Interest Expense $ 57.87 million
Net interest income $ 70.41 million
Provision for loan and lease losses $ 0.31 million
Total non interest income $ 7.75 million
Total non interest expense $ 32.20 million
Pre-tax Net Operating Income $ 13.05 million

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