St. Charles Bank & Trust Company, National Association
Saint Charles, IL · Owner: Wintrust Financial Corporation
$3.7B
total assets, June 30, 2026
$3.7B
total assets, June 30, 2026
St. Charles Bank & Trust Company, National Association is a national bank based in Saint Charles, IL, owned by Wintrust Financial Corporation (WTFC). As of June 30, 2026 it held $3.7 billion in assets and $3.1 billion in deposits; assets were up 11.2% from a year before. It has 10 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$3.7B
+11.2% in a year · +4.0% in a quarter
Deposits
$3.1B
+9.7% in a year · +4.8% in a quarter
Loans
$2.8B
+12.0% in a year · +1.7% in a quarter
Profit so far
$25.6M
Jan 1 to Jun 30, 2026 · +18.7% in a year
Capital ratio
9.64%
+0.16 pts in a year
Return on assets
1.44%
+0.02 pts in a year
Facts
- Type
- National bank
- Head office
- 411 W Main St, Saint Charles, IL, 60174
- County
- Kane
- Holding company
- Wintrust Financial Corporation (WTFC)
- Established
- Sep 21, 1987
- Employees
- 110
- Branches
- 10
- Website
- www.bankstcharles.com
- Id
- b27052
Quarter by quarter
September 30, 1987 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
10 offices as of June 30, 2026, holding $3.1 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Illinois | 10 | $3.1B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| St. Charles Bank & Trust Company, National Association (main office) | Saint Charles, IL | $1.0B |
| Elgin Branch | Elgin, IL | $784M |
| Rockford Bank & Trust Branch | Rockford, IL | $655M |
| Geneva Bank And Trust Branch | Geneva, IL | $148M |
| Aurora Branch | Aurora, IL | $141M |
| Tyler Creek Plaza Banking Center | Elgin, IL | $103M |
| Machesney Park Branch | Machesney Park, IL | $100M |
| Summit Branch | Elgin, IL | $93.9M |
| Foxfield Office Branch | Saint Charles, IL | $81.4M |
| Rockford Community Bank, A Branch Of St. Charles Bank And Trust Company, N.A. | Rockford, IL | $17.9M |
Related pages
Questions and answers
How big is St. Charles Bank & Trust Company, National Association?
$3.7 billion in total assets and $3.1 billion in deposits as of June 30, 2026, with assets up 11.2% from a year before. Its loans were $2.8 billion.
How many branches does St. Charles Bank & Trust Company, National Association have?
10 branches in Illinois as of June 30, 2026.
Is St. Charles Bank & Trust Company, National Association profitable?
Yes: it earned $25.6 million from January 1 to June 30, 2026 (up 18.7% from the same months a year before). Its return on assets was 1.44% a year; about 1% is typical.
Who owns St. Charles Bank & Trust Company, National Association?
St. Charles Bank & Trust Company, National Association is owned by Wintrust Financial Corporation, its holding company, which is listed as WTFC.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.