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
Unfavorable gap of $674K · efficiency ratio beats 10% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |