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Chester National Bank

$100M-$1B Specialty: Other IL FDIC cert 30220

Chester, IL

3 branches across IL · MO

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +19.1% year over year ($118.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.09%.
  • Efficiency ratio 55.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Chester National Bank has 3 strengths but faces 3 concerns

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

  • + Credit Quality Leader: Top 40.8% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 8.60% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 50.6% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.87% below tier average
Get updates when Chester National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $125.7M
+18.5% YoY +4.7% QoQ
-$260.8M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 7.2% in tier
Total Loans ? $61.6M
+17.8% YoY +4.1% QoQ
-$196.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 5.0% in tier
Total Deposits ? $118.3M
+19.1% YoY +5.1% QoQ
-$208.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 11.2% in tier
Return on Assets ? 1.09%
+12.5% YoY +1.8% QoQ
-0.24% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.12%
-0.6% YoY -0.1% QoQ
-0.87% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 13.3% in tier
Efficiency Ratio ? 55.88%
-10.4% YoY -2.9% QoQ
-8.60% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 52.09%
-1.1% YoY -1.0% QoQ
-25.86% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 10.0% in tier
Non-Interest-Bearing Deposit Share ? 11.42%
-18.1% YoY +1.2% QoQ
-10.61% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 13.5% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.86%
-0.5% YoY -9.2% QoQ
-0.05% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.09%
-20.7% YoY +84.3% QoQ
-0.48% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 15.0% in tier

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 11.4%
-2.5pp YoY
+0.1pp QoQ
 -10.7pp 22.1% 20.1% 22.2% 13%
Brokered Deposits n/a n/a 7.9% 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 2.2%
+0.6pp YoY
+0.7pp QoQ
 -9.3pp 11.6% 14.7% 12.5% 7%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 83.3%
+1.5pp YoY
+1.7pp QoQ
 +50.6pp 32.6% 28.3% 31.3% 97%
Consumer 1.6%
-1.1pp YoY
-0.4pp QoQ
 -2.5pp 4.1% 5.4% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 15.9%
-0.1pp YoY
-1.6pp QoQ
 -3.0pp 18.8% 19.9% 19.7% 57%
Leverage Ratio 6.0%
-0.4pp YoY
-0.1pp QoQ
 -6.1pp 12.2% 12.2% 12.6% 0%
Total Capital Ratio 16.7%
-0.2pp YoY
-1.7pp QoQ
 -3.2pp 19.9% 20.9% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
0 QoQ
 -44 58 228 482 4%
Assets per Employee ($) $8.4M
+18.5% YoY
+4.7% QoQ
 +$863K $7.5M $8.3M $8.8M 73%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 5.62x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 18.1%
+2.9pp YoY
+0.5pp QoQ
 +6.0pp 12.2% 10.5% 11.6% 82%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 25%
Net Income ($, YTD) $655,000
+33.4% YoY
— QoQ
 -$1.9M $2.6M $11.7M $40.4M 15%

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 (1)

Credit Quality Leader

growth
#270 of 659 • Top 40.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline
#83 of 162 • Bottom 50.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 11.42%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
265
Loan-to-Deposit Ratio
liquidity
Value: 52.09%
Peer Median: 77.95%
#265 of 2643 Top 10.0% in $100M-$1B

Top Weaknesses (6 metrics)

2513
Total Loans
size
Value: $61.62M
Peer Median: $258.35M
#2513 of 2643 Bottom 5.0% in $100M-$1B
2453
Total Assets
size
Value: $125.72M
Peer Median: $386.57M
#2453 of 2643 Bottom 7.2% in $100M-$1B
2348
Total Deposits
size
Value: $118.30M
Peer Median: $326.73M
#2348 of 2643 Bottom 11.2% in $100M-$1B
2293
Net Interest Margin
profitability
Value: 3.12%
Peer Median: 3.99%
#2293 of 2643 Bottom 13.3% in $100M-$1B
2287
Non-Interest-Bearing Deposit Share
funding
Value: 11.42%
Peer Median: 22.03%
#2287 of 2643 Bottom 13.5% in $100M-$1B
2248
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2248 of 2643 Bottom 15.0% in $100M-$1B
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