Bank · FDIC insured
St. Charles Bank & Trust Company, N.A.
A $3.7B bank, the 351st largest of 4,207, headquartered in St. Charles, IL, with 10 branches in Illinois. Best rates: CDs 4.00% and savings 2.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings892.00%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About St. Charles Bank & Trust Company, N.A.
St. Charles Bank & Trust Company is part of Wintrust, whose founders began in a northern Chicago suburb in 1991.
Wintrust operates more than 200 locations across its community banking network.
- Headquarters
- 411 W Main St, St. Charles, IL 60174
- FDIC certificate
- 27052 ↗
Branches
10 branches in Illinois
Loading map…
Illinois
10 branches
Chicago area · 7
- St. Charles Bank & Trust Company, National AssociationMain office411 W Main St, St. Charles, IL 60174Directions
- Aurora Branch2287 W Galena Blvd, Aurora, IL 60506Directions
- Elgin Branch1001 S Randall Rd, Elgin, IL 60123Directions
- Summit Branch445 Summit St, Elgin, IL 60120Directions
- Tyler Creek Plaza Banking Center50 Tyler Creek Plz, Elgin, IL 60123Directions
- Geneva Bank And Trust Branch514 W State St, Geneva, IL 60134Directions
- Foxfield Office Branch2825 Foxfield Rd, St. Charles, IL 60174Directions
Rockford area · 3
- Machesney Park Branch7005 N. Perryville Road, Machesney Park, IL 61115Directions
- Rockford Bank & Trust Branch1825 N Perryville Rd, Rockford, IL 61107Directions
- Rockford Community Bank, A Branch Of St. Charles Bank And Trust Company, N.A.2219 E State St, Rockford, IL 61104Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.64% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.70% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.44% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalLeverage ratio9.64%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.44%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of St. Charles Bank & Trust Company, N.A. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.