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St. Charles Bank & Trust Company, National Association
Saint Charles, IL·FDIC Cert #27052·Charter: OCC·Est. 19870921.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$3.5B
Q4 2025
Return on Assets
1.41%
-0.04%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
40.23%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.41%-0.04
ROE
14.01%-0.35
Efficiency
40.23%-0.81
Equity/Assets
0.00%+0.00
NPL Ratio
0.72%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.27%+2.32
Charge-offs
0.20%-0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.5 | 1.4 | 1.4 | 1.3 | 1.4 | 1.4 | 1.4 |
| ROE | 15.9 | 14.4 | 13.4 | 13.3 | 12.9 | 14.1 | 14.4 | 14.0 |
| Efficiency | 42.7 | 41.9 | 41.6 | 42.3 | 42.4 | 41.6 | 41.0 | 40.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.9 | 0.8 | 1.0 | 0.7 | 0.6 | 0.7 | 0.7 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.4 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 87.1 | 88.7 | 86.9 | 93.5 | 92.4 | 85.6 | 87.0 | 89.3 |
Balance Sheet
Total Assets$3.5B
Total Deposits$2.9B
Total Loans$2.6B
Total Equity$347.4M
Profitability
ROA1.41%
ROE14.01%
Efficiency Ratio40.23%
Net Income$44.9M
Risk & Asset Quality
NPL Ratio0.72%
Charge-off Rate0.20%
Loan/Deposit89.27%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans