St. Charles Bank & Trust Company, National Association
Headquartered in SAINT CHARLES, IL. Analysis based on 98 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $65.7M.
Total 7(a) loans
98
Total approved
$65.7M
Average loan
$671K
States funded in
3
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
32.56%
Average rate
6.83%
Average term
119 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 8 |
| 722511 | Full-Service Restaurants | 6 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 5 |
| 424990 | Other Miscellaneous Nondurable Goods Merchant Wholesalers | 5 |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 4 |
| 561311 | Employment Placement Agencies | 4 |
| 562998 | All Other Miscellaneous Waste Management Services | 3 |
| 611430 | Professional and Management Development Training | 3 |
| 812990 | All Other Personal Services | 3 |
| 811111 | General Automotive Repair | 3 |
Top 10 states
| State | Loans |
|---|---|
| IL | 93 |
| WI | 4 |
| DE | 1 |
Top franchise brands financed
12 franchise loans across 5 distinct brands.
| Franchise | Loans |
|---|---|
| Jersey Mike's | 4 |
| Candy Cloud | 3 |
| MIKE More Miles | 2 |
| Modern Acupuncture | 2 |
| The UPS Store (f/k/a Mail Box | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.