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 $3 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - April 03, 2025

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 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27052
Date Established 1987
Assets $ 2.93 billion
Loans $ 2.18 billion
Deposits $ 2.51 billion
Capital $ 292.02 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 263.18 million
Interest-bearing balances $ 227.84 million
Total securities $ 290.33 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 2.18 billion
Loan loss allowance $ 18.76 million
Trading account assets $ 3.86 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 43.49 million
All other assets $ 45.42 million
     Total Assets $ 2.63 billion

LIABILITIES
Total deposits $ 2.51 billion
      Interest-bearing deposits $ 2.08 billion
      Deposits held in domestic offices $ 2.51 billion
      % insured (estimated)" 65.97%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 3.84 million
Other borrowed funds $ 50.89 million
Subordinated debt N.A.
All other liabilities $ 6.69 millionn
      Total Liabilities $ 2.63 billion
      Shareholders’ Equity $ 292.02 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 117.14 million
Total Interest Expense $ 53.79 million
Net interest income $ 63.35 million
Provision for loan and lease losses $ 3.30 million
Total non interest income $ 6.87 million
Total non interest expense $ 29.41 million
Pre-tax Net Operating Income $ 13.05 million

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