Total Assets
$3.7B
Total Deposits
$3.1B
Branches
10
Established
1987
St. Charles Bank & Trust Company, National Association is a bank headquartered in Saint Charles, Illinois, established in 1987. It holds $3.7B in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, St. Charles Bank & Trust Company, National Association earns a TFS Financial Health Grade of B (80.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
80.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| St. Charles Bank & Trust Company, National AssociationHQ | 411 W Main St | Saint Charles | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 2287 W Galena Blvd | Aurora | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 1001 S Randall Rd | Elgin | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 445 Summit St | Elgin | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 50 Tyler Creek Plz | Elgin | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 514 W State St | Geneva | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 7005 N. Perryville Road | Machesney Park | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 1825 N Perryville Rd | Rockford | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 2219 E State St | Rockford | IL | 11 |
| St. Charles Bank & Trust Company, National Association | 2825 Foxfield Rd | Saint Charles | IL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
80.3
Tier 1 capital ratio
9.64%
Return on assets
1.44%
Non-performing loans
0.70%
Efficiency ratio
37.61%
Asset growth (YoY)
11.21%
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.