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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 $1.2MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $104.8M11%Noninterest $13.5MQ2 2025Q2 2026

NIM

4.09%Q2 ’244.42%Q2 ’254.19%Q2 ’26-2%-2%

Non-interest income vs. expense

2.56%Q2 ’241.93%Q2 ’251.68%Q2 ’26-24%-11%

Executive Summary

  • Earnings: ROA of 1.11%, up 8 bps year over year; NIM at 2.93%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.11%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.93%-5 bps YoY

Efficiency Ratio (quarter, annualized)

54.26%-584 bps YoY

Tier 1 Leverage Ratio

6.03%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.03%1.07%1.07%1.11%+8 bps
Return on Equity16.41%16.39%17.32%17.65%18.53%+212 bps
Net Interest Margin2.98%2.90%3.14%2.91%2.93%-5 bps
Efficiency Ratio60.10%59.15%60.89%57.56%54.26%-584 bps
Non-Interest Burden1.70%1.68%1.77%1.60%1.51%-19 bps
Growth
Asset Growth (YoY)38.25%26.45%18.78%18.48%18.54%-1,971 bps
Loan Growth (YoY)12.43%16.42%17.38%18.78%17.69%+526 bps
Deposit Growth (YoY)41.01%28.02%19.41%18.78%19.10%-2,190 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.79%0.75%0.71%0.69%0.67%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio6.41%6.45%6.60%6.17%6.03%-38 bps
Total Risk-Based Capital16.92%16.88%17.69%18.45%16.74%-18 bps
Equity / Assets6.27%6.34%6.01%6.07%5.87%-39 bps
Liquidity & Funding
Loans / Deposits53.07%54.31%53.17%52.96%52.44%-63 bps
Liquid Assets / Assets31.09%30.35%32.26%33.73%23.87%-723 bps
CRE / Total Capitaln/a109.88%114.18%127.27%n/an/a