SBA lender · 7(a) program
St. Charles Bank & Trust Company
St. Charles Bank & Trust Company has approved 150 SBA loans worth $88.1M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#569
0.02% of all SBA dollars
Total approved
$88.1M
FY2010 onward
Loans
150
Median loan
$361,650
+101% vs national
Median rate
6.71%
-0.04 pts vs national
Charge-off rate
5.7%
35 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What St. Charles Bank & Trust Company’s numbers say
St. Charles Bank & Trust Company sits in the long tail of the SBA lending field, having approved 150 loans for a gross total of $88.1M since fiscal 2010. Its median loan of $361,650 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.71%, essentially the national median. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 5.7% were charged off, 1.8 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 23% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a meaningfully greater appetite for startups than the average SBA lender.
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about St. Charles Bank & Trust Company
- How many SBA loans has St. Charles Bank & Trust Company approved?
- St. Charles Bank & Trust Company has approved 150 SBA loans totalling $88,116,600 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical St. Charles Bank & Trust Company SBA loan size?
- The median gross approval is $361,650, with the middle 80% of loans falling between $100,000 and $1,250,000. The national median across all SBA lenders is $180,000.
- What interest rate does St. Charles Bank & Trust Company charge on SBA 7(a) loans?
- The median initial note rate on St. Charles Bank & Trust Company's 7(a) approvals is 6.71%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is St. Charles Bank & Trust Company's SBA loan charge-off rate?
- 5.7% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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