STC Capital Bank

STC Capital Bank Locations
460 South 1st Street
St Charles, IL 60174
(630) 377-1555
www.stccapitalbank.com

STC Capital Bank is headquartered in Saint Charles and is the 246th largest bank in the state of Illinois. It is also the 3,551st largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 35 employees at 2 locations. STC Capital Bank has a 4-star health rating.

STC Capital Bank Routing Number: 071926566

Related Posts

2.00% 6-Month No-Penalty CD ($25K Max) at STC Capital Bank in IL - Local Only - 11/27/2009

STC Capital Bank is offering a special 2.00% APY 6-month CD for new customers. Maximum deposit is $25,000 with a limit of one offer per household. It has no minimum balance, and it allows a withdrawal without a penalty. The special CD doesn't seem to be...

2.75% 6-Month Add-On CD ($25K Max) at STC Capital Bank in Illinois - 4/21/2009

Update 11/21/09: The rate of the special CD has fallen to 1.75% APY.Update 9/05/09: The rate of the special CD has fallen to 2.25% APY.Update 7/04/09: The rate of the special CD has fallen to 2.50% APY.STC Capital Bank is offering a special 2.75% APY...

4.25% 6-Month CD at STC Capital Bank in Illinois - 9/28/2008

STC Capital Bank is offering a special 4.25% APY 6-month CD. There is no minimum balance requirement. The maximum balance is $100,000 per household. In addition to the special listed on the bank's homepage, it's also listed in this online ad. According...


Data for Q1 2012


Institution Statistics


STC Capital Bank
FDIC Certificate #58127
BankRate ReportView
Year Established2006
Employees35
Primary RegulatorFDIC

Assets and Liabilities

Assets$168.89 million
Loans$96.58 million
Deposits$145.68 million
Equity Capital$22.26 million
Loan Loss Allowance$2.21 million
Unbacked Noncurrent Loans$4.14 million
Real Estate Owned$6.18 million

Historic Data - March 2011

Assets$159.63 million
Equity Capital$22.57 million
Loan Loss Allowance$2.31 million
Unbacked Noncurrent Loans$5.69 million
Real Estate Owned$4.00 million

Profit Margin - Quarterly

Net Interest Margin3.94%
Return on Assets-0.22%
Return on Equity-1.7%
Interest Income$1.65 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio2
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 STC Capital Bank had $10.32 million in non-current loans and owned real-estate with $24.46 million in equity and loan loss allowances on hand to cover it. This gives STC Capital Bank a Texas Ratio of 42.21% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for STC Capital Bank held steady from 38.92% as of March 31, 2011 to 42.21% as of March 31, 2012, resulting in a negative change of 8.44%. This indicates that the balance sheet and financial strength for STC Capital Bank has held steady in recent periods.
Deposit Growth5
In the past year, STC Capital Bank has increased its total deposits by $9.58 million, resulting in 7.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth STC Capital Bank has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. STC Capital Bank has $168.89 million in assets with $24.46 million in equity, resulting in a capitalization level of 14.48%, which is excellent.
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