$2.71B
+14.8%y/y
Percentile by value29th percentileby value
FDIC
LNLSGRSC
St. Charles Bank & Trust Company, National Association
Saint Charles, IllinoisFDIC Cert #27052
OCCEstablished 198710 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $173M |
| Investor CRE | $307M |
| Multifamily | $124M |
| Construction | $63.6M |
| 1–4 family | $226M |
| C&I | $1.11B |
| Agriculture | $727K |
| Other | $706M |
Loan book
Reported balances and balance-sheet intensity.
$2.69B
+14.9%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET+14.95%
−31.8%y/y
Percentile by value83rd percentileby value
FDIC
LNLSNET90.0%
−2.6%y/y
Percentile by value64th percentileby value
FDIC
LNLSNET + DEP76.0%
−3.5%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET + ASSET33.80%
+5.0%y/y
Percentile by value6th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
142%
+0.9%y/y
Percentile by value17th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC18%
−29.1%y/y
Percentile by value15th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,944points
−8.8%y/y
Peer standing51st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD6.39%
+2.4%y/y
Percentile by value23rd percentileby value
FDIC
LNRENROW + LNLSGR11.34%
+3.2%y/y
Percentile by value19th percentileby value
FDIC
LNRENROT + LNLSGR40.96%
−5.9%y/y
Percentile by value94th percentileby value
FDIC
LNCI + LNLSGR