# STC CAPITAL BANK
SAINT CHARLES, IL · FDIC certificate 58127 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $239.5M | |
| Deposits | $208.1M | |
| Loans and leases | $181.2M | |
| Total equity | $30.2M | |
| Loans / deposits | 86.01% (p68 of band) | 77.79% |
| Liquid assets / assets | 21.49% (p29 of band) | |
| Uninsured deposits / deposits | 24.76% (p80 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.83% (p54 of band) | 11.56% |
| Unrealized securities loss / equity | 0.82% (p51 of band) | 0.80% |
| AOCI / equity | 2.69% (p55 of band) | |
| ROA (annualized) | 0.53% (p19 of band) | 1.05% |
| Net interest margin | 4.05% (p63 of band) | 3.84% |
| Efficiency ratio | 76.21% (p68 of band) | |
| Noncurrent loans | 0.84% (p61 of band) | 0.56% |
| Net charge-offs (annualized) | 0.66% (p97 of band) | |
| Reserve coverage of noncurrent | 142.03% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 38.88% (p73 of band) | |
| Auto loans | $1,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.1% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, noncurrent p90 |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 4 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 5 | charge-offs p90, deposits shrinking, assets shrinking | expense ratio p90 |
| 2013-03 | 1 |  | losing money, charge-offs p90, deposits shrinking, assets shrinking |
| 2013-06 | 2 | assets shrinking |  |
| 2013-09 | 0 |  | reserve under noncurrent, assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | construction >100% equity |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | uninsured deposits leaving |  |
| 2018-06 | 1 | reserve under noncurrent | construction >100% equity, uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2019-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-06-06 [Rosemont-based Wintrust Financial Corp. to buy STC Capital Bank, its second acquisition this year - Chicago Tribune](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQUTdTV2x6cXIyVXpleVBEblp2aldRYjMyc00zWmxONnJqc1VkbEdZQVhTZXN0dERIN2xGd1R2ZHM5eTJWVUVPcXg3U01NdDJnRi05bGxISTM3d3BsVk5nQnVZS0J4clRjM3pZWW5RQ3FCbVdPZ2VKandncW5NbDFJZlp5aEFxaHBDdjdMVk95Tzh2UTZzbEtVS0VhTnhCc3NyU0xqNXBrUnR6aWIxeUxxcjlOZE95a25jbkZfNlZ4V1hJN19LclRCeWJBbDRGS0pVWnRhRg?oc=5) · Chicago Tribune
- 2015-10-08 [Chairman and CEO Anthony Sisto of STC Capital Bank-St. Charles re-elected to position - Shaw Local](https://news.google.com/rss/articles/CBMiygFBVV95cUxNN1o0VllhT2hNSjlrcEowM0J0RjhuU2xhdlpLVy12YXNJZjF1aXBHUWdkcE5yU2RxNGh2bV9rQWNWaTVLeUNxV1g5d0p0NjYwUGRLTEtxN3gtbXl4dG5OLUxDb0VWSGJ2MzNkMjNHUTJydFVaN0Z3VlNRZDd1dVNJMm5ub09tTHhrTTNEcXB4dHZzWV9GNU1VeG5DUXdWTEgxVDFfckJRelpRalBQel90UjZnMElTWXptQkZTZ3RBWlNQa1c2ckRyb0pB?oc=5) · Shaw Local
- 2017-03-01 [How Addison's McCann constructed the American dream - Daily Herald](https://news.google.com/rss/articles/CBMingFBVV95cUxPU2ExNHN3RFVDZ0JkbzZVQnFmOG9WdVlwd1dpR00tbUdZT2ItbW8yOE9jZXhBaUpwSlpESUdWaHpBX0tON1lFdnZqeU8xNHB4UVlldno4d3ZjODNscUVoOGNNR1BOTG5uaGRYYi1GeHFsckpVNC1ZQlcyYm55cWV0WWg4bEFUUFVhX1F5cl9aRmRSbm9VN3RWMVY4X3FsUQ?oc=5) · Daily Herald
- 2019-05-15 [DuPage County news briefs - Chronicle Media](https://news.google.com/rss/articles/CBMijAFBVV95cUxOVTQ4SC1wNm9lTWlTMVpHVDFKb1pmRHR2SHRfOG5qeVBBUDZlWUxqZ1dZWFlDVEFvUXJXb3ptRFlRN2ROQThLNFVBc0R1ZHhsWW15ZWdtU1dzek9fby1DYjhFQkxhV1M5akFQMU82cXByV1E3emNVRVFEMnNTdTJMT21HNjNVdk5qcW85bA?oc=5) · Chronicle Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58127 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "58127", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide