BlastPoint's Banking Scorecard

Chesterfield State Bank

under $100M Specialty: Agricultural IL FDIC cert 10872

Designations: ✓ Community bank

Chesterfield, IL

541 banks in the under $100M peer group nationally 61 in IL

Chesterfield State Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 7.17% above tier average
- Nonperforming Asset Ratio 5.00% above tier average
- ROA 0.52% below tier average
- Net Interest Margin 0.90% below tier average
- Efficiency Ratio 16.95% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$21.9M -5.2% YoY +2.4% QoQ	-$40.3M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 5.4% in tier
Total Loans ?	$14.8M -8.2% YoY +0.6% QoQ	-$19.4M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$20.3M -4.0% YoY +2.3% QoQ	-$31.5M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 9.6% in tier
Return on Assets ?	0.31% +30.9% YoY +116.3% QoQ	-0.52%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	2.96% -5.1% YoY -6.4% QoQ	-0.90%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	105.29% +14.6% YoY +12.8% QoQ	+16.95%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 12.0% in tier
Delinquency Rate ?	8.55% -14.1% YoY -34.1% QoQ	+7.17%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 2.3% in tier
Loan-to-Deposit Ratio ?	73.21% -4.4% YoY -1.7% QoQ	+8.99%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	28.71% -0.5% YoY -2.8% QoQ	+4.99%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	5.79% -16.8% YoY -35.3% QoQ	+5.00%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 2.0% in tier
Tier 1 Capital Ratio ?	11.27% -11.7% YoY +8.4% QoQ	-15.41%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.07% +126.2% YoY -68.2% QoQ	-0.60%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

531

Nonperforming Asset Ratio

credit_quality

Value: 5.79%

Peer Median: 0.79%

#531 of 541 Bottom 2.0% in under $100M

510

Delinquency Rate

credit_quality

Value: 8.55%

Peer Median: 1.37%

#510 of 521 Bottom 2.3% in under $100M

513

Total Assets

size

Value: $21.88M

Peer Median: $62.16M

#513 of 541 Bottom 5.4% in under $100M

490

Total Deposits

size

Value: $20.25M

Peer Median: $51.74M

#490 of 541 Bottom 9.6% in under $100M

477

Efficiency Ratio

profitability

Value: 105.29%

Peer Median: 88.34%

#477 of 541 Bottom 12.0% in under $100M

457

Tier 1 Capital Ratio

capital

Value: 11.27%

Peer Median: 26.68%

#457 of 541 Bottom 15.7% in under $100M

453

Net Interest Margin

profitability

Value: 2.96%

Peer Median: 3.86%

#453 of 541 Bottom 16.5% in under $100M

438

Total Loans

size

Value: $14.83M

Peer Median: $34.25M

#438 of 541 Bottom 19.2% in under $100M

414

Return on Assets

profitability

Value: 0.31%

Peer Median: 0.84%

#414 of 541 Bottom 23.7% in under $100M