| Metric | Chester National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.5% | +4.4% | +14.2 pts |
| Deposit growth (YoY) | +19.1% | +4.0% | +15.2 pts |
| Loan growth (YoY) | +17.8% | +5.6% | +12.2 pts |
| ROA | 1.09% | 1.24% | -0.2 pts |
| ROE | 18.1% | 11.9% | +6.3 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.7M | $118.3M | $61.6M | $7.4M | $655K | 1.09% | 3.12% | 0.00% |
| Q1 2026 | $120.1M | $112.6M | $59.2M | $7.3M | $315K | 1.07% | 3.12% | 0.00% |
| Q4 2025 | $116.2M | $109.0M | $57.6M | $7.0M | $1.1M | 1.01% | 3.13% | 0.00% |
| Q3 2025 | $109.3M | $102.3M | $55.1M | $6.9M | $769K | 0.99% | 3.13% | 0.00% |
| Q2 2025 | $106.1M | $99.3M | $52.3M | $6.6M | $491K | 0.97% | 3.14% | 0.00% |
| Q1 2025 | $101.3M | $94.8M | $49.8M | $6.4M | $224K | 0.90% | 3.06% | 0.07% |
| Q4 2024 | $97.8M | $91.3M | $49.0M | $6.3M | $590K | 0.75% | 3.24% | 0.04% |
| Q3 2024 | $86.5M | $79.9M | $47.3M | $6.4M | $396K | 0.71% | 3.30% | 0.00% |
Loan mix (Q2 2026): real estate $59.7M · commercial $1.4M · consumer $976K · securities $96K
| Ratio | Chester National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 11.9% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Chester National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Chester National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Chester National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Chester National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Chester National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 2 states (+0 vs 2025) · $118.3M branch deposits. Biggest market: Randolph, IL, ranked 4th with 9.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Randolph, IL | 2 | $111.8M | 9.80% | 4th |
| Perry, MO | 1 | $6.5M | 0.70% | 7th |
Illinois: 343rd with 0.01% · Missouri: 340th with 0.00% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (15 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).