ST CHARLES B&T CO NA

FDIC #27052 · IL · period 20260630

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Total assets1,025,950-3.93% YoY

Total deposits891,138-2.44% YoY

Net loans and leases823,756-2.05% YoY

Return on assets0.89%-7.36% YoY

Return on equity7.98%+0.88% YoY

Net interest margin3.46%-0.49% YoY

Peer position

Return on assets66thin line · n=902

Return on equity68thin line · n=894

Net interest margin21stopportunity · n=902

Equity to assets42ndin line · n=894

Noncurrent loans38thin line · n=887

Liquid assets52ndin line · n=895

Brokered deposits22ndopportunity · n=890

Loans to deposits51stin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-12-31	1,025,950	891,138	823,756	0.89	7.98	3.46
2017-03-31	1,037,289	906,917	826,315	0.79	6.40	3.39
2017-06-30	1,045,240	913,186	816,990	0.88	7.24	3.48
2017-09-30	1,065,256	931,056	821,586	0.89	7.35	3.50
2017-12-31	1,067,951	913,453	840,956	0.96	7.91	3.48
2018-03-31	1,109,160	917,159	832,621	1.01	8.72	3.36
2018-06-30	1,118,458	947,604	858,216	1.03	8.94	3.41
2018-09-30	1,184,829	967,536	885,947	1.06	9.27	3.38
2018-12-31	1,161,579	991,144	901,404	1.05	9.15	3.41
2019-03-31	1,221,998	1,030,877	913,240	0.93	8.18	3.39
2019-06-30	1,247,927	1,055,645	940,402	0.59	5.24	3.33
2019-09-30	1,273,072	1,071,058	943,932	0.77	6.82	3.29
2019-12-31	1,525,663	1,273,109	1,186,065	0.65	5.55	3.35
2020-03-31	1,586,186	1,335,222	1,190,745	0.71	5.78	3.23
2020-06-30	1,755,838	1,499,444	1,350,121	0.41	3.51	3.08
2020-09-30	1,784,996	1,526,161	1,401,340	0.35	3.02	3.01
2020-12-31	1,799,200	1,538,695	1,323,864	0.49	4.29	2.92
2021-03-31	1,873,450	1,608,769	1,421,787	1.68	15.58	2.62
2021-06-30	1,855,598	1,587,030	1,403,974	1.42	13.07	2.67
2021-09-30	1,909,559	1,634,333	1,430,166	1.35	12.34	2.66
2021-12-31	1,937,584	1,654,524	1,419,780	1.13	10.33	2.63
2022-03-31	1,926,033	1,645,277	1,450,165	0.81	7.32	2.51
2022-06-30	1,905,911	1,625,001	1,526,799	0.99	8.78	2.65
2022-09-30	2,071,627	1,686,151	1,594,539	1.10	9.93	2.80
2022-12-31	2,130,380	1,756,036	1,639,610	1.19	10.88	3.05
2023-03-31	2,231,213	1,846,619	1,746,202	1.16	11.03	3.82
2023-06-30	2,433,373	2,042,317	1,787,312	1.45	14.08	3.64
2023-09-30	2,517,503	2,122,916	1,811,965	1.44	14.23	3.62
2023-12-31	2,483,432	2,069,803	1,869,029	1.44	14.09	3.68
2024-03-31	2,628,451	2,205,840	1,922,219	1.64	15.86	3.45
2024-06-30	2,777,091	2,371,892	2,102,937	1.47	14.40	3.41
2024-09-30	2,925,769	2,506,449	2,178,085	1.36	13.37	3.38
2024-12-31	2,849,857	2,427,394	2,269,662	1.36	13.35	3.38
2025-03-31	2,974,063	2,535,806	2,343,284	1.33	12.89	3.30
2025-06-30	3,314,514	2,859,268	2,446,480	1.41	14.05	3.22
2025-09-30	3,302,387	2,836,818	2,466,679	1.45	14.36	3.22
2025-12-31	3,454,109	2,923,184	2,609,623	1.41	14.01	3.21
2026-03-31	3,542,800	2,992,145	2,693,581	1.36	13.53	3.16
2026-06-30	3,686,173	3,135,062	2,741,256	1.44	14.34	3.15

Structure and branch footprint

10 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-10-07	1	3371309	428547
2016-11-19	1	2108348	428547
2011-09-30	1	856337	428547
2006-11-04	7	428547	2119773

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.