CHESTER NATIONAL BANK

CHESTER, IL | Small | Est. Jan. 1, 1919, midnight | FDIC #30220 | RSSD #231279 | OCC
Latest Report: 2025-12-31

CHESTER NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in CHESTER, IL, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $116M and total deposits of $109M. Profitability stands at 1.07% ROA and 17.32% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 16.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #30220. The institution operates 1 domestic branch.

Assets

$116M

Deposits

$109M

Loans

$58M

Equity

$7M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 17.32%
Net Interest Margin (NIM) 3.20%
Yield on Assets 4.64%
Cost of Funds 1.54%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 16.70%
Tier 1 Capital 16.70%
Total Capital Ratio 17.69%
Leverage Ratio 6.60%
Loan-to-Deposit 53.17%

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