St. Charles Bank & Trust Company, National Association

Headquarters

411 West Main Street
Saint Charles, IL 60174
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.40% →
1-Year CD 0.20% 1.15% →
2-Year CD 0.35% 1.26% →
5-Year CD 0.90% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

St. Charles Bank & Trust Company, National Association is an FDIC insured institution located in Saint Charles, IL. It was founded in 1987 and has approximately $1.53 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 27052
Date Established 1987
Assets $ 1,525.66 million
Loans $ 1,186.07 million
Deposits $ 1,273.11 million
Capital $ 196.43 million
 

For a more detailed analysis of St. Charles Bank & Trust Company, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.02% $1 - Learn More
Money Market
0.02% $1 $9,999 Learn More
Money Market
0.03% $10,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn More
6 Mo CD
0.10% $1,000 - Learn More
Special: 11 Mo CD
0.55% $1,000 - Learn More
12 Mo CD
0.20% $1,000 - Learn More
Special: 17 Mo CD
0.95% $1,000 - Learn More
18 Mo CD
0.30% $1,000 - Learn More
24 Mo CD
0.35% $1,000 - Learn More
30 Mo CD
0.39% $1,000 - Learn More
36 Mo CD
0.50% $1,000 - Learn More
48 Mo CD
0.65% $1,000 - Learn More
60 Mo CD
0.90% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.20% $1,000 - Learn MoreShow Less
Special: 11 Mo FIRA
0.55% $1,000 - Learn MoreShow Less
Special: 17 Mo FIRA
0.95% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 - Learn MoreShow Less

Loan Rates - July 7, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for St. Charles Bank & Trust Company, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to St. Charles Bank & Trust Company, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

St. Charles Bank & Trust Company, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


St. Charles Bank & Trust Company, National Association Locations


Financial Details

St. Charles Bank & Trust Company, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Charles Bank & Trust Company, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
St. Charles Bank & Trust Company, National Association U.S. Bank Average
4.08% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, St. Charles Bank & Trust Company, National Association had $4,803,000 in non-current loans and $3,387,000 in owned real estate. To cover these potential losses it had $196,432,000 in equity and $4,308,000 in loans loss reserves. That gives it a Texas Ratio of 4.08%.

Return on Equity
St. Charles Bank & Trust Company, National Association U.S. Bank Average
5.55% 9.41%

St. Charles Bank & Trust Company, National Association has a Return on Equity of 5.55% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
St. Charles Bank & Trust Company, National Association U.S. Bank Average
12.88% 12.82%

St. Charles Bank & Trust Company, National Association has a Capitalization of 12.88% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

St. Charles Bank & Trust Company, National Association Balance Sheet Analysis

As of December 31, 2019, St. Charles Bank & Trust Company, National Association had assets of $1,525,663,000, loans of $1,186,065,000, and deposits of $1,273,109,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 68.42 million
Interest-bearing balances $ 53.76 million
Total securities $ 151.94 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 1,186.07 million
Loan loss allowance $ 4.31 million
Trading account assets $ 2.40 million
Bank premises and fixed assets N.A.
Other real estate owned $ 3.39 million
Goodwill and other intangibles $ 45.11 million
All other assets $ 38.78 million
     Total Assets $ 1,329.23 million
LIABILITIES
Total deposits $ 1,273.11 million
      Interest-bearing deposits $ 996.57 million
      Deposits held in domestic offices $ 1,273.11 million
      % insured (estimated) 73.47%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 2.40 million
Other borrowed funds $ 49.19 million
Subordinated debt N.A.
All other liabilities $ 4.53 million
      Total Liabilities $ 1,329.23 million
      Shareholders’ Equity $ 196.43 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 52.13 million
Total Interest Expense $ 12.58 million
Net interest income $ 39.55 million
Provision for loan and lease losses $ 6.12 million
Total non interest income $ 3.68 million
Total non interest expense $ 25.88 million
Pre-tax Net Operating Income $ 11.23 million

Bank Loan Profile?

The top three loan types in St. Charles Bank & Trust Company, National Association’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Illinois, St. Charles Bank & Trust Company, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.73
Multifamily
Mortgages
4.04
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 10.79
Construction and Development Loans 4.18
Commercial Real Estate 29.99
Commercial and Industrial Loans 31.41
Farm Loans 0.00

Frequently Asked Questions About St. Charles Bank & Trust Company, National Association

Branches and Savings

Is St. Charles Bank & Trust Company, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #27052.

Why does St. Charles Bank & Trust Company, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are St. Charles Bank & Trust Company, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is St. Charles Bank & Trust Company, National Association a commercial bank?

Yes

Where are St. Charles Bank & Trust Company, National Association locations?

See branch locations nearby.

Is St. Charles Bank & Trust Company, National Association open on Saturdays?

Is St. Charles Bank & Trust Company, National Association open on Sundays?

What time does St. Charles Bank & Trust Company, National Association open?

What time does St. Charles Bank & Trust Company, National Association close?

Are St. Charles Bank & Trust Company, National Association ATMs Open 24/7?

Do St. Charles Bank & Trust Company, National Association ATMs accept cash deposits?

Can St. Charles Bank & Trust Company, National Association customers use other ATMs?

Do St. Charles Bank & Trust Company, National Association branches have notaries?

Will St. Charles Bank & Trust Company, National Association notarize my document?

What address for St. Charles Bank & Trust Company, National Association should I put for incoming ACH transfers?

Will the St. Charles Bank & Trust Company, National Association branch print checks?

Do St. Charles Bank & Trust Company, National Association checks expire?

Does St. Charles Bank & Trust Company, National Association require US citizenship to open account?

Can St. Charles Bank & Trust Company, National Association close my account?

Does St. Charles Bank & Trust Company, National Association Report to credit bureaus?

Does St. Charles Bank & Trust Company, National Association Use Equifax?

What is St. Charles Bank & Trust Company, National Association's ACH Routing Number?

What is St. Charles Bank & Trust Company, National Association's SWIFT code?

Products

Does St. Charles Bank & Trust Company, National Association offer mortgages?

Compare mortgage rates here.

Does St. Charles Bank & Trust Company, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does St. Charles Bank & Trust Company, National Association offer personal loans?

Compare personal loan rates here.

Does St. Charles Bank & Trust Company, National Association offer student loans?

Will St. Charles Bank & Trust Company, National Association cash a check?

Will St. Charles Bank & Trust Company, National Association redeem a savings bond?

Does St. Charles Bank & Trust Company, National Association cash savings bonds?

Will St. Charles Bank & Trust Company, National Association cash money orders?

Can St. Charles Bank & Trust Company, National Association issue a money order?

Does St. Charles Bank & Trust Company, National Association do currency exchange?

Background on The Bank

Who owns St. Charles Bank & Trust Company, National Association?

How long has St. Charles Bank & Trust Company, National Association been around?

Can St. Charles Bank & Trust Company, National Association transfer to other banks?

Does St. Charles Bank & Trust Company, National Association have quick pay?

Does St. Charles Bank & Trust Company, National Association accept rolled coins?

Will St. Charles Bank & Trust Company, National Association accept loose change?

Where is St. Charles Bank & Trust Company, National Association headquarters?

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