St. Charles Bank & Trust Company

Overview / Commentary
411 West Main Street
Saint Charles, IL 60174

St. Charles Bank & Trust Company is headquartered in Saint Charles and is the 32nd largest bank in the state of Illinois. It is also the 577th largest bank in the nation. It was established in 1987 and as of June of 2021, it had grown to 77 employees at 7 locations. St. Charles Bank & Trust Company has an A health rating.


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Health Grade Components

FDIC Certificate #27052
Year Established1987
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD13.07%
Annual Interest Income$26.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.86B$1.76B
LoansQ2 2021vs Q2 2020$1.40B$1.35B
DepositsQ2 2021vs Q2 2020$1.59B$1.50B
Equity CapitalQ2 2021vs Q2 2020$206.7MM$188.2MM
Loan Loss AllowanceQ2 2021vs Q2 2020$12.6MM$14.8MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$6.1MM$12.2MM
Real Estate OwnedQ2 2021vs Q2 2020$3.0MM$2.0MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Charles Bank & Trust Company Savings Account Rates


St. Charles Bank & Trust Company Money Market Rates

0.05%*$50k*-Money Market
OTHER TIERS: 0.02% Up to $10k | 0.03% $10k - $50k

St. Charles Bank & Trust Company Checking Account Rates

0.01%--Access Plus

St. Charles Bank & Trust Company CD Rates

0.05%$1k$100k12 Month Fixed CD
0.05%$1k$100k18 Month Fixed CD

St. Charles Bank & Trust Company Locations
Elgin Branch1001 South Randall RoadElgin, IL 60123
St. Charles Bank & Trust Company411 West Main StreetSaint Charles, IL 60174
Summit Branch445 Summit StreetElgin, IL 60120
Geneva Bank and Trust Branch514 West State StreetGeneva, IL 60134
Aurora Temporary Branch2287 W. Galena BoulevardAurora, IL 60506
Tyler Creek Plaza Banking Center50 Tyler Creek PlazaElgin, IL 60123
Foxfield Office Branch2825 Foxfield DrSaint Charles, IL 60174

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