This institution is no longer active

Operations ceased on October 7, 2019. CRA examination history below reflects the period it was active.

STC CAPITAL BANK

SAINT CHARLES, IL · Supervised by FDIC

Est. 2006FDIC #58,127RSSD: FDIC-58127

Part ofSTC BANCSHARES CORP→ View all charters

Satisfactory Same

Current rating · Exam: February 2017

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.53%

Institution Profile

FDIC BankFind

Address

460 1st Street, SAINT CHARLES, IL

County

Kane County

Established

January 17, 2006

Total Assets

$240M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2017

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2019Call Report / FDIC

Total Assets

$240M

Total Deposits

$208M

Net Loans

$179M

Net Income

$1M

ROA

0.53%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.74%

Risk-Based Capital

16.77%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.53%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.77%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.56%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	72	70.83%	5.56%
2018	240	62.92%	8.33%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2017	Satisfactory	Small Bank
Mar 2011	Satisfactory	Small Bank
Jul 2008	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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