SBA lender profile
St. Charles Bank & Trust Company, National Association
St. Charles Bank & Trust Company, National Association appears in the public SBA loan data with 141 funded 7(a) loans since FY2010, totaling $84.9M, an average of $602K per loan, and an estimated 3,357 jobs supported. Its SBA lending concentrates in Illinois and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 1.4%. 34.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 79
- Scale 63
- Activity 78
- Consistency 69
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is St. Charles Bank & Trust Company, National Association the right lender for you?
Lenders fund what they know. St. Charles Bank & Trust Company, National Association's SBA lending concentrates in Illinois (136 loans) and Manufacturing (18 loans), at an average loan of $602K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $3.5B
- Headquarters
- Saint Charles, IL
- FDIC cert
- #27052
- Status
- Active
Where St. Charles Bank & Trust Company, National Association lends
Top states by funded SBA volume.
Metro areas where St. Charles Bank & Trust Company, National Association funds
What St. Charles Bank & Trust Company, National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 18 | $18.7M |
| Wholesale Trade | 14 | $12.9M |
| Accommodation and Food Services | 21 | $8.9M |
| Administrative and Support | 15 | $7.6M |
| Transportation and Warehousing | 8 | $6.0M |
| Educational Services | 3 | $5.0M |
St. Charles Bank & Trust Company, National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1 | $300K |
| 2011 | 3 | $1.6M |
| 2016 | 13 | $4.0M |
| 2017 | 8 | $3.8M |
| 2018 | 4 | $3.6M |
| 2019 | 10 | $4.6M |
| 2020 | 17 | $15.6M |
| 2021 | 8 | $3.9M |
| 2022 | 6 | $3.8M |
| 2023 | 12 | $10.8M |
| 2024 | 28 | $13.6M |
| 2025 | 20 | $12.1M |
| 2026 | 11 | $7.0M |
Related SBA lenders
Other lenders active in Illinois or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
St. Charles Bank & Trust Company, National Association: frequently asked questions
Does St. Charles Bank & Trust Company, National Association offer SBA loans?
Yes. St. Charles Bank & Trust Company, National Association appears in the public SBA data with 141 funded SBA 7(a) loans totaling $84.9M.
How many SBA loans has St. Charles Bank & Trust Company, National Association made?
St. Charles Bank & Trust Company, National Association is associated with 141 SBA 7(a) loans totaling $84.9M in the public SBA data (as of 2026-03-31).
What is St. Charles Bank & Trust Company, National Association's SBA charge-off rate?
About 1.4% of St. Charles Bank & Trust Company, National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does St. Charles Bank & Trust Company, National Association do most of its SBA lending?
St. Charles Bank & Trust Company, National Association's SBA lending in the data is most concentrated in Illinois, and by industry in Manufacturing.
Is St. Charles Bank & Trust Company, National Association an SBA Preferred Lender (PLP)?
The loan record shows St. Charles Bank & Trust Company, National Association operating under PLP delegated authority: 48 of its 7(a) loans (34.0%) were processed through the Preferred Lenders Program, including 28 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). St. Charles Bank & Trust Company, National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/st-charles-bank-trust-company-national-association/
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