CHESTERFIELD STATE BANK

CHESTERFIELD, IL | Micro | Est. Sept. 21, 1898, midnight | FDIC #10872 | RSSD #767246 | FDIC
Latest Report: 2025-12-31

CHESTERFIELD STATE BANK is amn micro FDIC-insured commercial bank headquartered in CHESTERFIELD, IL, established in Sept. 21, 1898, midnight. As of 2025-12-31, the bank reported total assets of $22M and total deposits of $20M. Profitability stands at 0.22% ROA and 2.33% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 13.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.87%. FDIC Certificate #10872.

Assets

$22M

Deposits

$20M

Loans

$15M

Equity

$2M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 2.33%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.62%
Cost of Funds 2.78%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio -0.10%
Texas Ratio 1.87%
NPA Ratio 0.19%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 13.89%
Tier 1 Capital 13.89%
Total Capital Ratio 15.14%
Leverage Ratio 9.60%
Loan-to-Deposit 77.82%

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