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Chester National Bank

Chester, IL · Cert 30220 · Chester Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

77

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

Chester National Bank

Chester, IL · Cert 30220 · Chester Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$125.7MAssets
$62.0MLoans
$118.3MDeposits
$7.4MEquity
Loan mix
97%RE $57.6M1%C&I $0.9M2%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $104.8M11%Noninterest $13.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.09%, up 12 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 6.03%, down 38 bps from a year ago.
  • Funding: loans stand at 52.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+2 bps YoY

Efficiency Ratio (YTD, annualized)

55.88%-646 bps YoY

Tier 1 Leverage Ratio

6.03%-38 bps YoY

NIM

3.87%Q2 ’244.24%Q2 ’254.09%Q2 ’26-1%+1%

Non-interest income vs. expense

2.55%Q2 ’241.92%Q2 ’251.71%Q2 ’26-24%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.75%0.90%0.97%0.99%1.01%1.07%1.09%+12 bps
Return on Equity8.43%9.41%14.11%15.23%15.61%16.09%17.65%18.15%+292 bps
Net Interest Margin2.70%2.50%2.83%2.85%2.80%2.92%2.91%2.87%+2 bps
Efficiency Ratio76.54%71.98%64.79%62.34%61.28%61.17%57.56%55.88%-646 bps
Non-Interest Burden2.00%1.73%1.75%1.69%1.65%1.70%1.60%1.53%-17 bps
Growth
Asset Growth (YoY)30.95%52.33%47.53%38.25%26.45%18.78%18.48%18.54%-1,971 bps
Loan Growth (YoY)7.18%10.93%11.39%12.43%16.42%17.38%18.78%17.69%+526 bps
Deposit Growth (YoY)33.29%57.51%52.01%41.01%28.02%19.41%18.78%19.10%-2,190 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.14%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.87%0.84%0.82%0.79%0.75%0.71%0.69%0.67%-12 bps
Allowance Coverage of NPLsn/a9.7x6.0xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.02%6.86%6.40%6.41%6.45%6.60%6.17%6.03%-38 bps
Total Risk-Based Capital18.03%16.61%17.80%16.92%16.88%17.69%18.45%16.74%-18 bps
Equity / Assets7.46%6.47%6.29%6.27%6.34%6.01%6.07%5.87%-39 bps
Liquidity & Funding
Loans / Deposits59.72%54.09%52.96%53.07%54.31%53.17%52.96%52.44%-63 bps
Liquid Assets / Assets22.40%28.88%32.67%31.09%30.35%32.26%33.73%23.87%-723 bps
CRE / Total Capitaln/an/an/an/a109.88%114.18%127.27%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

Chester National Bank

Chester, IL · Cert 30220 · Peer group: banks under $1B in assets operating regionally (n=94) · Chester Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$125.7MAssets
$62.0MLoans
$118.3MDeposits
$7.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating regionally (rank 6 of 94).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets operating regionally (rank 93 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.04%

Rank 58 of 94

Net Interest Margin

2.87%

Rank 89 of 94

Efficiency Ratio

55.88%

Rank 23 of 94

Equity / Assets

5.87%

Rank 93 of 94

Non-interest income vs. expense

$0.2M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 77% of banks under $1B in assets operating regionally
Bank 55.88%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.82%1.19%1.46%Beats 38%58 / 94
Return on Equity17.74%7.85%11.84%14.03%Beats 98%2 / 94
Net Interest Margin2.87%3.42%3.81%4.18%Beats 5%89 / 94
Efficiency Ratio55.88%55.99%62.41%73.02%Beats 77%23 / 94
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.47%1.14%Beats 100%6 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%12 / 94
Capital
Tier 1 Capital Ratio15.86%10.28%11.95%15.07%Beats 82%17 / 94
Total Risk-Based Capital Ratio16.74%10.31%12.59%15.88%Beats 81%18 / 94
Equity / Assets5.87%8.98%10.21%11.41%Beats 1%93 / 94
Liquidity & Funding
Loans / Deposits52.44%72.62%84.44%94.55%5th pctl89 / 94
Loans / Assets49.34%62.50%72.84%78.99%7th pctl87 / 94
Brokered Deposits / Depositsn/aNot reported for this institution