STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
203
2010–2026
Total Volume
$126M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
203 total segments
St. Charles Bank & Trust has a strong focus on 504 loans, making up 33% of their total SBA deals. This is significantly higher than the national average of around 18%. If you're considering a real estate purchase or expansion, this lender could be a good fit for your needs.
With an average 7(a) spread of P+0.60%, St. Charles Bank & Trust offers competitive pricing compared to the national median of P+2.75%. This could result in substantial savings on interest for your loan, making it an attractive option for borrowers.
The lender's growth trend shows a decline of 19% year-over-year in deal volume. This could indicate a tightening of lending standards or reduced availability of funds, which may affect your chances of approval if you're seeking a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 66 504 loans, which use fixed SBA debenture rates.
States where St. Charles Bank & Trust Company, National Association has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for St. Charles Bank & Trust Company, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Restaurants & Food Service · $350K – $500K | 7(a) | 8 | P+0.63% | $479K | Q3 2025 |
| Illinois · Manufacturing · $500K – $1M | 504 | 6 | — | $734K | Q4 2020 |
| Illinois · Manufacturing · $150K – $350K | 7(a) | 5 | P+-0.90% | $304K | Q3 2025 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+1.75% | $281K | Q4 2025 |
| Illinois · Transportation & Warehousing · $500K – $1M | 504 | 5 | — | $759K | Q2 2024 |
| Illinois · Food & Beverage Stores · Under $150K | 7(a) | 5 | P+1.50% | $85K | Q3 2025 |
| Illinois · Administrative & Waste Services · $150K – $350K | 7(a) | 5 | P+2.00% | $259K | Q2 2023 |
| Illinois · Other Health Practitioners · $150K – $350K | 7(a) | 5 | P+1.25% | $266K | Q3 2024 |
| Illinois · Wholesale Trade · $1M – $2M | 7(a) | 5 | P+0.20% | $1.7M | Q4 2023 |
| Illinois · Auto Repair & Maintenance · $350K – $500K | 504 | 4 | — | $403K | Q3 2025 |
| Illinois · Wholesale Trade · $1M – $2M | 504 | 4 | — | $1.1M | Q1 2018 |
| Illinois · Manufacturing · $350K – $500K | 7(a) | 4 | P+0.13% | $425K | Q4 2025 |
| Illinois · Manufacturing · $350K – $500K | 504 | 4 | — | $461K | Q2 2017 |
| Illinois · Other Repair & Services · Under $150K | 7(a) | 3 | P+1.75% | $83K | Q4 2017 |
| Illinois · Manufacturing · $2M – $5M | 7(a) | 3 | P+-0.86% | $3.7M | Q4 2025 |
| Illinois · Transportation & Warehousing · $500K – $1M | 7(a) | 3 | P+0.00% | $628K | Q3 2021 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.00% | $100K | Q3 2024 |
| Illinois · Wholesale Trade · $500K – $1M | 7(a) | 3 | P+-0.80% | $825K | Q4 2024 |
| Illinois · Manufacturing · $500K – $1M | 7(a) | 3 | P+-0.77% | $683K | Q2 2024 |
| Illinois · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+0.00% | $210K | Q3 2021 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+1.50% | $69K | Q1 2021 |
| Illinois · Wholesale Trade · $500K – $1M | 504 | 3 | — | $807K | Q4 2025 |
| Illinois · Administrative & Waste Services · $350K – $500K | 7(a) | 3 | P+-0.50% | $495K | Q4 2022 |
| Illinois · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $275K | Q3 2023 |
| Illinois · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+1.37% | $883K | Q2 2020 |
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Real experiences from borrowers who closed SBA loans with St. Charles Bank & Trust Company, National Association.
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