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Chesterfield State Bank

Chesterfield, IL · Cert 10872

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chesterfield State Bank

Chesterfield, IL · Cert 10872

State charter, non-member · FDIC · 1 branch

Q2 2026

$21.7MAssets
$13.5MLoans
$19.8MDeposits
$1.8MEquity
Loan mix
63%RE $8.5M28%C&I $3.9M9%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $14.8M25%Noninterest $5.0MQ2 2025Q2 2026

NIM

4.69%Q2 ’245.08%Q2 ’254.64%Q2 ’26+10%0%

Non-interest income vs. expense

2.92%Q2 ’242.89%Q2 ’253.30%Q2 ’26-4%+13%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #102 of 111 inst. · $0.0B of $141.7B

Executive Summary

  • Earnings: ROA of 1.53%, up 113 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 11.20% of loans (-278 bps YoY), with net recoveries of 2.14%.
  • Capital: tier 1 leverage ratio of 8.15%, down 103 bps from a year ago.
  • Funding: loans stand at 68.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+113 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-1 bps YoY

Efficiency Ratio (YTD, annualized)

95.57%+1,078 bps YoY

Tier 1 Leverage Ratio

8.15%-103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.43%-1.93%0.29%1.53%+113 bps
Return on Equity4.69%4.87%-22.85%4.10%20.61%+1,592 bps
Net Interest Margin3.19%3.30%3.15%2.81%3.18%-1 bps
Efficiency Ratio84.79%84.32%93.34%105.29%95.57%+1,078 bps
Non-Interest Burden2.67%2.75%2.93%2.98%3.03%+36 bps
Growth
Asset Growth (YoY)-4.50%-8.74%-9.19%-5.25%-4.83%-34 bps
Loan Growth (YoY)-11.49%-11.38%-12.84%-8.24%-14.96%-347 bps
Deposit Growth (YoY)-5.08%-9.83%-7.93%-3.98%-4.12%+97 bps
Asset Quality
Nonperforming Loans / Loans13.98%9.32%12.78%8.44%11.20%-278 bps
Net Charge-Offs / Loans0.00%-0.03%2.92%0.00%-2.14%-214 bps
Allowance / Loans1.28%1.14%1.43%1.23%1.26%-2 bps
Allowance Coverage of NPLs0.1x0.1x0.1x0.1x0.1x0.0x
Capital
Tier 1 Leverage Ratio9.19%9.44%7.08%7.43%8.15%-103 bps
Total Risk-Based Capital14.00%15.15%11.65%12.51%14.48%+48 bps
Equity / Assets8.85%9.52%6.99%7.19%8.10%-74 bps
Liquidity & Funding
Loans / Deposits76.88%80.11%75.54%74.12%68.19%-869 bps
Liquid Assets / Assets24.97%21.91%24.72%26.25%31.77%+680 bps
CRE / Total Capitaln/a7.51%9.42%8.79%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Chesterfield State Bank

Chesterfield, IL · Cert 10872 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40)

State charter, non-member · FDIC · 1 branch

Q2 2026

$21.7MAssets
$13.5MLoans
$19.8MDeposits
$1.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets in the St. Louis, MO-IL area (rank 3 of 40).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in the St. Louis, MO-IL area (rank 38 of 38).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.53%

Rank 7 of 40

Net Interest Margin

3.18%

Rank 23 of 40

Efficiency Ratio

95.57%

Rank 37 of 40

Equity / Assets

8.10%

Rank 32 of 40

Non-interest income vs. expense

$60K$734KINCOMEEXPENSE
Unfavorable gap of $674K · efficiency ratio beats 10% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 95.57%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.64%1.04%1.26%Beats 83%7 / 40
Return on Equity18.88%6.25%9.97%13.41%Beats 93%3 / 40
Net Interest Margin3.18%3.09%3.22%3.62%Beats 43%23 / 40
Efficiency Ratio95.57%57.08%64.37%75.86%Beats 10%37 / 40
Asset Quality
Nonperforming Loans / Loans11.20%0.14%0.62%1.92%Beats 3%38 / 38
Net Charge-Offs / Loans0.36%0.00%0.01%0.09%Beats 8%36 / 38
Capital
Tier 1 Capital Ratio13.24%10.29%12.88%15.77%Beats 55%18 / 40
Total Risk-Based Capital Ratio14.48%10.64%13.30%17.01%Beats 57%17 / 40
Equity / Assets8.10%8.59%9.46%12.46%Beats 20%32 / 40
Liquidity & Funding
Loans / Deposits68.19%66.12%79.48%94.60%30th pctl28 / 40
Loans / Assets62.46%54.69%68.52%77.46%35th pctl26 / 40
Brokered Deposits / Depositsn/aNot reported for this institution