Listed locations
9
Institution profile
St. Charles Bank & Trust Company, National Association
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- St. Charles Bank & Trust Company, National Association
- Display name
- St. Charles Bank & Trust Company, National Association
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- September 21, 1987
- Established date
- September 21, 1987
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Saint Charles, IL, 60174, United States
- FDIC certificate number
- 27052
- Federal Reserve RSSD ID
- 428547
- OCC charter number
- 25211
- Domestic location count
- 10
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 27052
- Federal Reserve RSSD ID
- 428547
- LEI
- 549300UDBUNBNEKR8J69
- Headquarters
- 411 West Main Street, Saint Charles, IL, 60174, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| AURORA BRANCH | 2287 West Galena Boulevard | Aurora | IL | 60506 |
| DRIVE-IN BRANCH | 445 Summit Street | Elgin | IL | 60120 |
| ELGIN BRANCH | 1001 South Randall Road | Elgin | IL | 60123 |
| TYLER CREEK PLAZA BANKING CENTER | 50 Tyler Creek Plaza | Elgin | IL | 60123 |
| GENEVA BRANCH | 514 West State Street | Geneva | IL | 60134 |
| MACHESNEY PARK BRANCH | 7005 North Perryville Road | Machesney Park | IL | 61115 |
| ROCKFORD BRANCH | 1825 North Perryville Road | Rockford | IL | 61107 |
| ROCKFORD COMMUNITY BANK BRANCH | 2219 East State Street | Rockford | IL | 61104 |
| SAINT CHARLES BRANCH | 2825 Foxfield Road | Saint Charles | IL | 60174 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- June 6, 2016
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| June 6, 2016 | Satisfactory | Federal Reserve | Large Bank Exam |
| April 22, 2013 | Satisfactory | Federal Reserve | Large Bank Exam |
| April 20, 2009 | Satisfactory | Federal Reserve | Small Bank |
| April 18, 2005 | Satisfactory | Federal Reserve | Large Bank Exam |
| March 19, 2001 | Satisfactory | Federal Reserve | Small Bank |
| February 3, 1997 | Satisfactory | Federal Reserve | Small Bank |
Institutional history
4 FFIEC NIC history events
Showing 1 through 4 of 4 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 7, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 19, 2016 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 30, 2011 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 4, 2006 | Sale of Assets | HINSDALE BANK & TRUST COMPANY, NATIONAL ASSOCIATION |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION | National Bank | Saint Charles, IL |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank