Banks | St. Charles Bank & Trust Company, National Association

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 $2 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - April 20, 2024

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 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27052
Date Established 1987
Assets $ 2.48 billion
Loans $ 1,869.03 million
Deposits $ 2.07 billion
Capital $ 261.47 million

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 75.65 million
Interest-bearing balances $ 48.97 million
Total securities $ 293.25 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 1,869.03 million
Loan loss allowance $ 16.33 million
Trading account assets $ 5.19 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 43.66 million
All other assets $ 45.42 million
     Total Assets $ 2.22 billion

LIABILITIES
Total deposits $ 2.07 billion
      Interest-bearing deposits $ 1,662.37 million
      Deposits held in domestic offices $ 2.07 billion
      % insured (estimated) 71.33%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 5.18 million
Other borrowed funds $ 50.89 million
Subordinated debt N.A.
All other liabilities $ 6.69 millionn
      Total Liabilities $ 2.22 billion
      Shareholders’ Equity $ 261.47 million

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 124.50 million
Total Interest Expense $ 45.26 million
Net interest income $ 79.24 million
Provision for loan and lease losses $ 5.28 million
Total non interest income $ 8.87 million
Total non interest expense $ 36.43 million
Pre-tax Net Operating Income $ 13.05 million

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