BlastPoint's Banking Scorecard
Chesterfield State Bank
Designations: ✓ Community bank
Chesterfield, IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -4.1% year over year ($19.8M on the books).
- Delinquency rate 11.34%.
- Return on assets 1.89%.
- Efficiency ratio 95.57% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.33% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Chesterfield State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.89% above tier average
- + Efficiency Ratio 23.82% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 9.86% above tier average
- - Nonperforming Asset Ratio 6.16% above tier average
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$21.7M
-4.8% YoY
-1.1% QoQ
|
-$40.8M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.2% in tier |
| Total Loans ? |
$13.4M
-14.9% YoY
-9.9% QoQ
|
-$21.5M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$19.8M
-4.1% YoY
-2.1% QoQ
|
-$31.8M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.9% in tier |
| Return on Assets ? |
1.89%
+269.6% YoY
+499.7% QoQ
|
+0.89% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Top 13.4% in tier |
| Net Interest Margin ? |
3.39%
+4.8% YoY
+14.4% QoQ
|
-0.52% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
95.57%
+12.7% YoY
-9.2% QoQ
|
-23.82% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate ? |
11.34%
-19.9% YoY
+32.7% QoQ
|
+9.86% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.7% in tier |
| Loan-to-Deposit Ratio ? |
67.33%
-11.3% YoY
-8.0% QoQ
|
-6.88% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
25.40%
-9.0% YoY
-11.5% QoQ
|
+1.92% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
7.00%
-28.4% YoY
+20.8% QoQ
|
+6.16% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.1% in tier |
| Tier 1 Capital Ratio ? |
13.24%
+3.7% YoY
+17.5% QoQ
|
-13.89% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.14%
+26.1% YoY
+102.1% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.4%
-2.5pp YoY -3.3pp QoQ |
+0.8pp | 24.6% | 20.1% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.6%
-6.1pp YoY -4.4pp QoQ |
+8.2pp | 13.4% | 14.7% | 12.5% | 81% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
43.9%
+7.9pp YoY +4.0pp QoQ |
+8.9pp | 35.0% | 28.3% | 31.3% | 66% |
| Consumer |
8.5%
-0.8pp YoY +0.6pp QoQ |
+0.8pp | 7.7% | 5.4% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
+0.5pp YoY +2.0pp QoQ |
-25.4pp | 38.7% | 19.9% | 19.7% | 11% |
| Leverage Ratio |
8.2%
-1.0pp YoY +0.7pp QoQ |
-9.5pp | 17.7% | 12.2% | 12.6% | 4% |
| Total Capital Ratio |
14.5%
+0.5pp YoY +2.0pp QoQ |
-25.2pp | 39.7% | 20.9% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY -1 (-20.0%) QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$5.4M
-4.8% YoY +23.7% QoQ |
-$775K | $6.2M | $8.3M | $8.8M | 42% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
7.4%
-6.5pp YoY +2.9pp QoQ |
+6.4pp | 1.0% | 0.4% | 0.4% | 98% |
| Nonaccrual |
4.0%
+3.7pp YoY -0.1pp QoQ |
+2.2pp | 1.7% | 1.1% | 1.0% | 90% |
| Allowance Coverage |
0.11x
+22.9% YoY -22.7% QoQ |
-6.30x | 6.41x | 5.62x | 20.23x | 1% |
| Net Charge-off Rate (YTD) | -2.0% | -2.2pp | 0.2% | 0.1% | 0.2% | 0% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
25.4%
+19.4pp YoY +20.9pp QoQ |
+19.0pp | 6.4% | 10.5% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 59% |
| Net Income ($, YTD) |
$204,000
+245.8% YoY — QoQ |
-$114K | $317,817 | $11.7M | $40.4M | 38% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.