BlastPoint's Banking Scorecard
St. Charles Bank & Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 27052
Saint Charles, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
St. Charles Bank & Trust Company, National Association shows strong momentum with 1 strength and 21.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.40% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+21.2% YoY
+4.6% QoQ
|
+$2.1B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.6B
+15.0% YoY
+5.8% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.9B
+20.4% YoY
+3.0% QoQ
|
+$1.8B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.41%
+3.9% YoY
-2.5% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.21%
-4.9% YoY
-0.0% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
40.23%
-4.8% YoY
-2.0% QoQ
|
-22.40% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.72%
-27.3% YoY
-2.9% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
89.27%
-4.5% YoY
+2.7% QoQ
|
+6.21% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
16.10%
-6.3% YoY
+13.6% QoQ
|
-4.94% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.54%
-31.1% YoY
-1.8% QoQ
|
+0.05% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.76%
+3.3% YoY
-2.7% QoQ
|
+0.52% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.31%
-6.8% YoY
+32.4% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.23%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Efficiency Ratio
Current: 40.23% · Tier avg: 62.63%
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.27% · Tier avg: 83.06%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.76% · Tier avg: 10.24%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.10% · Tier avg: 21.05%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
Top Weaknesses
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.10% · Tier avg: 21.05%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.76% · Tier avg: 10.24%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.27% · Tier avg: 83.06%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
95
95th pctile
Efficiency Ratio
Current: 40.23% · Tier avg: 62.63%