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.
Deposit Rates -
August 21, 2026
SAVINGS RATES
APY
MIN
Savings
0.02% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.10% $10,000
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6 Mo CD
0.10% $100,000
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Special: 11 Mo CD
0.55% $1,000
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12 Mo CD
0.20% $10,000
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12 Mo CD
0.20% $100,000
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Special: 17 Mo CD
0.95% $1,000
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18 Mo CD
0.30% $10,000
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18 Mo CD
0.30% $100,000
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24 Mo CD
0.35% $10,000
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24 Mo CD
0.35% $100,000
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30 Mo CD
0.39% $10,000
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30 Mo CD
0.39% $100,000
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36 Mo CD
0.50% $10,000
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36 Mo CD
0.50% $100,000
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48 Mo CD
0.65% $10,000
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48 Mo CD
0.65% $100,000
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60 Mo CD
0.90% $10,000
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60 Mo CD
0.90% $100,000
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MM RATES
APY
MIN
Money Market
0.02% $2,500
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Money Market
0.03% $10,000
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Money Market
0.03% $25,000
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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
$ 3.45 billion
Loans
$ 2.61 billion
Deposits
$ 2.92 billion
Capital
$ 347.40 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 35.60 million
Interest-bearing balances
$ 20.67 million
Total securities
$ 590.37 million
Federal funds sold and reverse repurchase
$ 0.00 million
Net loans and leases
$ 2.61 billion
Loan loss allowance
$ 16.84 million
Trading account assets
$ 2.59 million
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 43.30 million
All other assets
$ 45.42 million
Total Assets $ 3.11 billion
LIABILITIES
Total deposits
$ 2.92 billion
Interest-bearing deposits
$ 2.45 billion
Deposits held in domestic offices
$ 2.92 billion
% insured (estimated)" 70.91%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
$ 2.59 million
Other borrowed funds
$ 50.89 million
Subordinated debt
N.A.
All other liabilities
$ 6.69 millionn
Total Liabilities $ 3.11 billion
Shareholders’ Equity $ 347.40 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 173.69 million
Total Interest Expense
$ 77.92 million
Net interest income
$ 95.77 million
Provision for loan and lease losses
$ 2.62 million
Total non interest income
$ 10.73 million
Total non interest expense
$ 43.00 million
Pre-tax Net Operating Income
$ 13.05 million
Customer Reviews for St. Charles Bank & Trust Company, National Association
Branches
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St. Charles Bank & Trust Company, National Association Locations
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