BlastPoint's Banking Scorecard

Chester National Bank

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

Chester, IL

3 branches across IL · MO

2664 banks in the $100M-$1B peer group nationally 211 in 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 7.72% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 6.1% in tier
- ROA 0.20% below tier average
- Net Interest Margin 0.81% below tier average

Get updates when Chester National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$120.1M +18.5% YoY +3.4% QoQ	-$266.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 5.8% in tier
Total Loans ?	$59.2M +18.9% YoY +2.8% QoQ	-$196.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 4.7% in tier
Total Deposits ?	$112.6M +18.8% YoY +3.2% QoQ	-$215.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 9.6% in tier
Return on Assets ?	1.07% +18.5% YoY +5.8% QoQ	-0.20%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.12% +2.0% YoY -0.3% QoQ	-0.81%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	57.56% -11.2% YoY -5.9% QoQ	-7.72%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	52.59% +0.1% YoY -0.4% QoQ	-24.05%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 11.5% in tier
Non-Interest-Bearing Deposit Share ?	11.29% -27.1% YoY +0.3% QoQ	-10.73%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 13.4% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.46% +4.4% YoY +4.5% QoQ	+1.63%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.05% -17.1% YoY -76.3% QoQ	-0.23%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	18%

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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 (1)

NIB Deposit Bleed

decline

#13 of 198 • Bottom 6.1% 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: 11.29%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

308

Loan-to-Deposit Ratio

liquidity

Value: 52.59%

Peer Median: 76.64%

#308 of 2664 Top 11.5% in $100M-$1B

557

Tier 1 Capital Ratio

capital

Value: 17.46%

Peer Median: 15.83%

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (6 metrics)

2539

Total Loans

size

Value: $59.20M

Peer Median: $255.72M

#2539 of 2664 Bottom 4.7% in $100M-$1B

2510

Total Assets

size

Value: $120.07M

Peer Median: $386.08M

#2510 of 2664 Bottom 5.8% in $100M-$1B

2408

Total Deposits

size

Value: $112.57M

Peer Median: $327.97M

#2408 of 2664 Bottom 9.6% in $100M-$1B

2308

Non-Interest-Bearing Deposit Share

funding

Value: 11.29%

Peer Median: 22.02%

#2308 of 2664 Bottom 13.4% in $100M-$1B

2262

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.93%

#2262 of 2664 Bottom 15.1% in $100M-$1B

2186

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2186 of 2664 Bottom 18.0% in $100M-$1B