St. Charles Bank & Trust Company
Legal institution: St. Charles Bank & Trust Company, National Association. Headquartered in Saint Charles, IL. Part of Wintrust Financial Corporation. FDIC certificate #27052 · Federal Reserve RSSD 428547.
Total assets
$3.5B
Deposits
$3.0B
Q1 2026
Active branches
10
Closings since Jan 2020
4
3 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$12M
Return on assets
1.36%
Return on equity
13.53%
Noncurrent loan rate
0.78%
Deposits by year (Summary of Deposits)
12019
12020
22021
22022
22023
22024
32025
Values in $ billions, June 30 of each year.
Closings by year
32020
12021
Openings by year
12022
22024
Other network changes since 2020
- January 1, 2020: legal name changed from “St. Charles Bank & Trust Company” to “St. Charles Bank & Trust Company, National Association”
Branches by state
Recent closings
- 1542 S. RANDALL ROAD · closed April 30, 2021
- 9 NORTH THIRD STREET · closed February 28, 2020
- St. Charles Bank & Trust Company — South Elgin, ILbank exits city622 RANDALL ROAD · closed February 28, 2020
- 460 1ST STREET · closed February 28, 2020
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.bankstcharles.com.