Lenders › St. Charles Bank & Trust Company, National Association
7(a) lenderSaint Charles, IllinoisFDIC-insured bank399th of 2,184 by approvals
St. Charles Bank & Trust Company, National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
St. Charles Bank & Trust Company, National Association, based in Saint Charles, Illinois, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 74 of its 7(a) loans worth $44.3M in FY2021 to FY2025, which places it 399th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 20 approvals totalling $12.1M, down 29% on FY2024 (28). FY2026 to 30 Jun 2026 adds 20 more.
The median approval was $417K, against $190K for the 7(a) program as a whole; 16.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 13 counties, led by Illinois (93.2%), Wisconsin (5.4%) and Delaware (1.4%). The largest industry group was accommodation and food services at 20.3% of approvals, and 12.2% of approvals were to franchise businesses.
Of 61 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (3.3%), 46 as paid in full and 13 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 20 | $10.3M | $338K | $515K | 395 |
| FY2025 | 20 | $12.1M | $403K | $606K | 251 |
| FY2024 | 28 | $13.6M | $387K | $486K | 675 |
| FY2023 | 12 | $10.8M | $492K | $904K | 709 |
| FY2022 | 6 | $3.8M | $489K | $631K | 57 |
| FY2021 | 8 | $3.9M | $500K | $491K | 155 |
| FY2020 | 17 | $15.6M | $568K | $917K | 387 |
| FY2019 | 10 | $4.6M | $287K | $463K | 252 |
| FY2018 | 4 | $3.6M | $774K | $899K | 82 |
| FY2017 | 8 | $3.8M | $250K | $475K | 169 |
| FY2016 | 13 | $4.0M | $107K | $309K | 263 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 52 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Illinois | 7(a) program |
|---|---|---|---|
| Approvals in these years | 64 | 21,190 | 639,905 |
| Cancelled or never disbursed | 3 | 2,878 | 79,313 |
| Disbursed loans | 61 | 18,312 | 560,592 |
| Paid in full | 46 | 13,909 | 435,813 |
| Charged off | 2 | 1,459 | 36,891 |
| Still outstanding (status exempt from disclosure) | 13 | 2,944 | 87,888 |
| Charged off, share of disbursed loans | 3.3% | 8.0% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.4% | 4.1% | 2.5% |
| Dollars charged off | $123K | $327M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 8 | 4 | 0 | — | 2.8% |
| FY2020 | 16 | 9 | 0 | — | 4.0% |
| FY2019 | 10 | 9 | 0 | — | 6.7% |
| FY2018 | 3 | 2 | 0 | — | 7.9% |
| FY2017 | 7 | 7 | 0 | — | 7.7% |
| FY2016 | 13 | 11 | 2 | — | 7.2% |
| FY2015 | 0 | 0 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 0 | 0 | 0 | — | 6.3% |
| FY2011 | 3 | 3 | 0 | — | 6.9% |
| FY2010 | 1 | 1 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $417K | $190K |
| Average approval | $599K | $518K |
| Approvals of $150,000 or less | 16.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 31.1% | 34.3% |
| Approvals to franchise businesses | 12.2% | 11.5% |
| Jobs supported per approval, as reported | 25.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.3% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Illinois | 69 | $42.0M | 93.2% | |
| 2 | Wisconsin | 4 | $1.7M | 5.4% | |
| 3 | Delaware | 1 | — | 1.4% |
In Illinois the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (13 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Kane County, IL | 25 | $13.4M | 33.8% | |
| 2 | Winnebago County, IL | 21 | $18.2M | 28.4% | |
| 3 | Cook County, IL | 7 | $2.6M | 9.5% | |
| 4 | DuPage County, IL | 5 | $3.8M | 6.8% | |
| 5 | Grundy County, IL | 3 | $1.0M | 4.1% | |
| 6 | Kendall County, IL | 3 | $959K | 4.1% | |
| 7 | Ogle County, IL | 2 | — | 2.7% | |
| 8 | Dane County, WI | 2 | — | 2.7% | |
| 9 | Will County, IL | 2 | — | 2.7% | |
| 10 | Rock County, WI | 1 | — | 1.4% | |
| 11 | DeKalb County, IL | 1 | — | 1.4% | |
| 12 | New Castle County, DE | 1 | — | 1.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 15 | 20.3% | |
| 2 | Manufacturing | 13 | 17.6% | |
| 3 | Wholesale Trade | 10 | 13.5% | |
| 4 | Health Care and Social Assistance | 7 | 9.5% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 6 | 8.1% | |
| 6 | Other Services (except Public Administration) | 6 | 8.1% | |
| 7 | Construction | 5 | 6.8% | |
| 8 | Professional, Scientific, and Technical Services | 4 | 5.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 17.6% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 6 | 8.1% | |
| 3 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 5 | 6.8% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 5.4% | |
| 5 | Other Miscellaneous ManufacturingNAICS 3399 | 3 | 4.1% | |
| 6 | Employment ServicesNAICS 5613 | 3 | 4.1% | |
| 7 | Business Schools and Computer and Management TrainingNAICS 6114 | 2 | 2.7% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 2 | 2.7% | |
| 9 | Paint, Coating, and Adhesive ManufacturingNAICS 3255 | 2 | 2.7% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 2.7% |
Approval sizes
- $50,000 or less1.4%1
- $50,001 to $150,00014.9%11
- $150,001 to $350,00025.7%19
- $350,001 to $1 million43.2%32
- $1 million to $2 million10.8%8
- Over $2 million4.1%3
Loan terms
- 5 years or less4.1%3
- Over 5 to 10 years79.7%59
- Over 10 to 20 years6.8%5
- Over 20 years9.5%7
Age of the businesses
- Existing, more than 2 years old51.4%38
- New business, 2 years or less24.3%18
- Startup, loan funds will open the business6.8%5
- Change of ownership17.6%13
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 39 | 52.7% | |
| 2 | Preferred Lenders Program | 31 | 41.9% | |
| 3 | Contract CAPLine | 2 | 2.7% | |
| 4 | Working Capital CAPLine | 1 | 1.4% | |
| 5 | 7a General | 1 | 1.4% |
Franchise share
9 of 74 approvals in FY2021–FY2025 (12.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Candy Cloud | 3 | 4.1% | |
| 2 | Jersey Mike’s Subs | 3 | 4.1% | |
| 3 | MIKE More Miles | 2 | 2.7% | |
| 4 | The UPS Store | 1 | 1.4% |
Questions and answers
How many SBA loans does St. Charles Bank & Trust Company, National Association make?
SBA approved 20 7(a) loans through St. Charles Bank & Trust Company, National Association in FY2025, worth $12.1M, and 74 over FY2021 to FY2025. That ranks 399th of 2,184 active 7(a) lenders by number of approvals.
How large are St. Charles Bank & Trust Company, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $417K and the average $599K. The program-wide median was $190K.
What is St. Charles Bank & Trust Company, National Association's charge-off rate?
Of 61 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (3.3%), 46 as paid in full and 13 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does St. Charles Bank & Trust Company, National Association lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (13); offices of other health practitioners (6); miscellaneous nondurable goods merchant wholesalers (5); automotive repair and maintenance (4).
Where does St. Charles Bank & Trust Company, National Association make SBA loans?
In 3 states and territories. Illinois 69, Wisconsin 4, Delaware 1. In Illinois it accounts for 0.6% of all 7(a) approvals.
Is St. Charles Bank & Trust Company, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 60, against 31 in the three before: rising (+94%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error