St. Charles Bank & Trust Company, National Association is a bank based in Saint Charles, Illinois, established in 1987, with $3.5 billion in total assets across 10 branches. By Trust Grade it ranks 68th of 328 banks we track in Illinois. Its capital ratio of 10.0% trails most similarly sized banks (45th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.36% return on assets. No consumer complaints against St. Charles Bank & Trust Company, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How St. Charles Bank & Trust Company, National Association compares to Illinois peers
How we graded St. Charles Bank & Trust Company, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.0% capital ratio)
- Strongly profitable (ROA 1.36%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for St. Charles Bank & Trust Company, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 1001 S Randall Rd, Elgin, IL 60123
- 445 Summit St, Elgin, IL 60120
- 50 Tyler Creek Plz, Elgin, IL 60123
- 411 W Main St, Saint Charles, IL 60174
- 2825 Foxfield Rd, Saint Charles, IL 60174
- 514 W State St, Geneva, IL 60134
- 2287 W Galena Blvd, Aurora, IL 60506
- 1825 N Perryville Rd, Rockford, IL 61107
- 2219 E State St, Rockford, IL 61104
- 7005 N. Perryville Road, Machesney Park, IL 61115
Are deposits at St. Charles Bank & Trust Company, National Association insured?
Yes. St. Charles Bank & Trust Company, National Association is an FDIC-insured bank (FDIC certificate #27052). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
St. Charles Bank & Trust Company, National Association: frequently asked questions
Is St. Charles Bank & Trust Company, National Association a good bank?
St. Charles Bank & Trust Company, National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.0% capital ratio); Strongly profitable (ROA 1.36%).
Is St. Charles Bank & Trust Company, National Association FDIC-insured?
Yes. St. Charles Bank & Trust Company, National Association is a FDIC-insured bank (FDIC certificate #27052). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is St. Charles Bank & Trust Company, National Association?
St. Charles Bank & Trust Company, National Association holds $3.5 billion in total assets, ranking 68th of 328 banks we track in Illinois. It operates 10 branches.
Does St. Charles Bank & Trust Company, National Association have CFPB complaints?
No CFPB complaints against St. Charles Bank & Trust Company, National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
