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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 75thStandingRank8-Qtr TrendPeer 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