Chesterfield, IL · Cert 10872
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
44
Asset Quality
6
Profitability
73
Liquidity
70
Efficiency
10
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.
Chesterfield, IL · Cert 10872
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #102 of 111 inst. · $0.0B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -0.13% | 0.20% | 0.40% | 0.43% | -1.93% | 0.29% | 1.53% | +113 bps | |
| Return on Equity | 2.33% | -1.52% | 2.41% | 4.69% | 4.87% | -22.85% | 4.10% | 20.61% | +1,592 bps | |
| Net Interest Margin | 3.04% | 2.99% | 3.02% | 3.19% | 3.30% | 3.15% | 2.81% | 3.18% | -1 bps | |
| Efficiency Ratio | 92.23% | 89.05% | 91.85% | 84.79% | 84.32% | 93.34% | 105.29% | 95.57% | +1,078 bps | |
| Non-Interest Burden | 2.79% | 2.65% | 2.76% | 2.67% | 2.75% | 2.93% | 2.98% | 3.03% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 3.34% | -2.49% | -4.50% | -8.74% | -9.19% | -5.25% | -4.83% | -34 bps | |
| Loan Growth (YoY) | -5.22% | -9.77% | -10.31% | -11.49% | -11.38% | -12.84% | -8.24% | -14.96% | -347 bps | |
| Deposit Growth (YoY) | 4.30% | 3.63% | -2.64% | -5.08% | -9.83% | -7.93% | -3.98% | -4.12% | +97 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.32% | 1.45% | 9.82% | 13.98% | 9.32% | 12.78% | 8.44% | 11.20% | -278 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.49% | 0.00% | 0.00% | -0.03% | 2.92% | 0.00% | -2.14% | -214 bps | |
| Allowance / Loans | 1.05% | 1.19% | 1.24% | 1.28% | 1.14% | 1.43% | 1.23% | 1.26% | -2 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.81% | 8.38% | 8.72% | 9.19% | 9.44% | 7.08% | 7.43% | 8.15% | -103 bps | |
| Total Risk-Based Capital | 8.81% | 14.06% | 14.00% | 14.00% | 15.15% | 11.65% | 12.51% | 14.48% | +48 bps | |
| Equity / Assets | 8.49% | 8.31% | 8.52% | 8.85% | 9.52% | 6.99% | 7.19% | 8.10% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.52% | 79.79% | 77.56% | 76.88% | 80.11% | 75.54% | 74.12% | 68.19% | -869 bps | |
| Liquid Assets / Assets | 20.72% | 22.26% | 24.55% | 24.97% | 21.91% | 24.72% | 26.25% | 31.77% | +680 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 7.51% | 9.42% | 8.79% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.64% | 1.04% | 1.26% | Beats 83% | 7 / 40 | ||
| Return on Equity | 18.88% | 6.25% | 9.97% | 13.41% | Beats 93% | 3 / 40 | ||
| Net Interest Margin | 3.18% | 3.09% | 3.22% | 3.62% | Beats 43% | 23 / 40 | ||
| Efficiency Ratio | 95.57% | 57.08% | 64.37% | 75.86% | Beats 10% | 37 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 11.20% | 0.14% | 0.62% | 1.92% | Beats 3% | 38 / 38 | ||
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.01% | 0.09% | Beats 8% | 36 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.24% | 10.29% | 12.88% | 15.77% | Beats 55% | 18 / 40 | ||
| Total Risk-Based Capital Ratio | 14.48% | 10.64% | 13.30% | 17.01% | Beats 57% | 17 / 40 | ||
| Equity / Assets | 8.10% | 8.59% | 9.46% | 12.46% | Beats 20% | 32 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.19% | 66.12% | 79.48% | 94.60% | 30th pctl | 28 / 40 | ||
| Loans / Assets | 62.46% | 54.69% | 68.52% | 77.46% | 35th pctl | 26 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||