BlastPoint's Banking Scorecard
St. Charles Bank & Trust Company, National Association
Saint Charles, IL
10 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +9.6% year over year ($3.1B on the books).
- Delinquency rate 0.71%.
- Return on assets 1.44%.
- Efficiency ratio 37.61% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.44% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
St. Charles Bank & Trust Company, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.12% below tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+11.2% YoY
+4.0% QoQ
|
+$892.9M |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$2.7B
+12.0% YoY
+1.8% QoQ
|
+$778.0M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$3.1B
+9.6% YoY
+4.8% QoQ
|
+$816.2M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
1.44%
+1.5% YoY
+5.7% QoQ
|
+0.05% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.15%
-2.2% YoY
-0.4% QoQ
|
-0.72% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
37.61%
-9.7% YoY
-2.0% QoQ
|
-22.12% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 5.3% in tier |
| Delinquency Rate ? |
0.71%
+22.1% YoY
-10.2% QoQ
|
-0.16% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
87.44%
+2.2% YoY
-2.9% QoQ
|
+2.40% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
14.85%
+3.7% YoY
-3.2% QoQ
|
-6.43% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.53%
+23.0% YoY
-12.1% QoQ
|
-0.15% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
11.07%
+3.9% YoY
+1.9% QoQ
|
-3.77% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.16%
+6.7% YoY
+115.4% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.8%
+0.5pp YoY -0.5pp QoQ |
-6.5pp | 21.4% | 20.1% | 22.2% | 26% |
| Brokered Deposits |
9.3%
-1.2pp YoY -1.1pp QoQ |
-0.1pp | 9.5% | 8.0% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
41.9%
-2.4pp YoY +0.6pp QoQ |
+27.9pp | 14.0% | 14.7% | 12.5% | 96% |
| CRE |
24.4%
+1.4pp YoY -0.4pp QoQ |
-25.6pp | 50.0% | 37.9% | 41.4% | 7% |
| 1-4 Family |
8.5%
+1.1pp YoY +0.2pp QoQ |
-17.9pp | 26.4% | 28.3% | 31.3% | 13% |
| Consumer |
16.1%
-3.4pp YoY -0.9pp QoQ |
+11.4pp | 4.7% | 5.4% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.1%
+0.4pp YoY +0.2pp QoQ |
-4.5pp | 15.6% | 19.9% | 19.7% | 11% |
| Leverage Ratio |
9.6%
+0.2pp YoY +0.3pp QoQ |
-1.7pp | 11.3% | 12.2% | 12.6% | 26% |
| Total Capital Ratio |
11.7%
+0.3pp YoY +0.1pp QoQ |
-5.0pp | 16.7% | 20.9% | 20.8% | 6% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
110
0 YoY +5 (+4.8%) QoQ |
-204 | 313 | 228 | 482 | 10% |
| Assets per Employee ($) |
$33.5M
+11.2% YoY -0.7% QoQ |
+$23.0M | $10.5M | $8.3M | $8.8M | 98% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 10 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 60% |
| Nonaccrual |
0.7%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 1.1% | 1.0% | 60% |
| Allowance Coverage |
0.84x
-28.1% YoY +0.5% QoQ |
-17.87x | 18.71x | 5.62x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.2%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+0.3pp YoY +0.8pp QoQ |
+1.7pp | 12.6% | 10.5% | 11.6% | 68% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY -0.1pp QoQ |
+0.4pp | 1.9% | 1.6% | 1.7% | 78% |
| Net Income ($, YTD) |
$25.6M
+18.7% YoY — QoQ |
+$6.3M | $19.2M | $11.7M | $40.4M | 78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.