Chester, IL · Cert 30220 · Chester Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.75% | 0.90% | 0.97% | 0.99% | 1.01% | 1.07% | 1.09% | +12 bps | |
| Return on Equity | 8.43% | 9.41% | 14.11% | 15.23% | 15.61% | 16.09% | 17.65% | 18.15% | +292 bps | |
| Net Interest Margin | 2.70% | 2.50% | 2.83% | 2.85% | 2.80% | 2.92% | 2.91% | 2.87% | +2 bps | |
| Efficiency Ratio | 76.54% | 71.98% | 64.79% | 62.34% | 61.28% | 61.17% | 57.56% | 55.88% | -646 bps | |
| Non-Interest Burden | 2.00% | 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 / Loans | 0.00% | 0.09% | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.87% | 0.84% | 0.82% | 0.79% | 0.75% | 0.71% | 0.69% | 0.67% | -12 bps | |
| Allowance Coverage of NPLs | n/a | 9.7x | 6.0x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.02% | 6.86% | 6.40% | 6.41% | 6.45% | 6.60% | 6.17% | 6.03% | -38 bps | |
| Total Risk-Based Capital | 18.03% | 16.61% | 17.80% | 16.92% | 16.88% | 17.69% | 18.45% | 16.74% | -18 bps | |
| Equity / Assets | 7.46% | 6.47% | 6.29% | 6.27% | 6.34% | 6.01% | 6.07% | 5.87% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.72% | 54.09% | 52.96% | 53.07% | 54.31% | 53.17% | 52.96% | 52.44% | -63 bps | |
| Liquid Assets / Assets | 22.40% | 28.88% | 32.67% | 31.09% | 30.35% | 32.26% | 33.73% | 23.87% | -723 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.88% | 114.18% | 127.27% | n/a | n/a | |