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
Unfavorable gap of $1.9M · efficiency ratio beats 77% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.82% | 1.19% | 1.46% | Beats 38% | 58 / 94 | |
| Return on Equity | 17.74% | 7.85% | 11.84% | 14.03% | Beats 98% | 2 / 94 | |
| Net Interest Margin | 2.87% | 3.42% | 3.81% | 4.18% | Beats 5% | 89 / 94 | |
| Efficiency Ratio | 55.88% | 55.99% | 62.41% | 73.02% | Beats 77% | 23 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.47% | 1.14% | Beats 100% | 6 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 12 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 15.86% | 10.28% | 11.95% | 15.07% | Beats 82% | 17 / 94 | |
| Total Risk-Based Capital Ratio | 16.74% | 10.31% | 12.59% | 15.88% | Beats 81% | 18 / 94 | |
| Equity / Assets | 5.87% | 8.98% | 10.21% | 11.41% | Beats 1% | 93 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 52.44% | 72.62% | 84.44% | 94.55% | 5th pctl | 89 / 94 | |
| Loans / Assets | 49.34% | 62.50% | 72.84% | 78.99% | 7th pctl | 87 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |