BlastPoint's Banking Scorecard
St. Charles Bank & Trust Company, National Association
Saint Charles, IL
10 branches across IL
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 22.68% below tier average
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+19.1% YoY
+2.6% QoQ
|
+$727.1M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$2.7B
+14.9% YoY
+3.2% QoQ
|
+$728.7M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$3.0B
+18.0% YoY
+2.4% QoQ
|
+$648.8M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.36%
+2.1% YoY
-3.9% QoQ
|
-0.01% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.16%
-4.3% YoY
-1.7% QoQ
|
-0.66% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
38.39%
-9.4% YoY
-4.6% QoQ
|
-22.68% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 6.2% in tier |
| Delinquency Rate ? |
0.79%
+5.4% YoY
+9.3% QoQ
|
-0.10% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
90.02%
-2.6% YoY
+0.8% QoQ
|
+5.82% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
15.33%
-4.0% YoY
-4.8% QoQ
|
-5.96% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.60%
+1.7% YoY
+10.0% QoQ
|
-0.07% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
10.87%
+3.2% YoY
+1.0% QoQ
|
-4.29% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.07%
-2.8% YoY
-76.5% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
20% |
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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.