St. Charles Bank & Trust Company, National Association: how it compares with its peers
Against 31 IL banks with half to twice its assets, St. Charles Bank & Trust Company, National Association's strongest measure in Q2 2026 is assets per employee ($33.5M vs. a $12.6M peer median). Its weakest relative measure is net interest margin (3.15% vs. 3.39%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.42% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 3.39% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.61% | 50.85% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $33.5M | $12.6M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.44% | 85.76% | Context |
What it means for lending operations
Its efficiency ratio of 37.61% is better than the 50.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Parkway Bank and Trust Company Harwood Heights, IL · $3.66B
- Village Bank and Trust, National Association Arlington Heights, IL · $3.63B
- Old Plank Trail Community Bank, National Association New Lenox, IL · $3.53B
- Carrollton Bank Carrollton, IL · $3.88B
- Banterra Bank Marion, IL · $3.36B
- Libertyville Bank & Trust Company, National Association Libertyville, IL · $3.34B
Questions about St. Charles Bank & Trust Company, National Association
How big is St. Charles Bank & Trust Company, National Association?
St. Charles Bank & Trust Company, National Association, established in 1987, is headquartered in Saint Charles, IL. It reported $3.69B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is St. Charles Bank & Trust Company, National Association's return on assets?
1.44% annualized in Q2 2026, against a 1.42% median for 31 IL banks with half to twice its assets, ahead of 58% of them.
What is St. Charles Bank & Trust Company, National Association's efficiency ratio?
37.61% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 50.85%, and lower is better.
Is St. Charles Bank & Trust Company, National Association growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 9.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.