Chester National Bank
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Data as of · sourced from FFIEC call reports. How we update
Chester National Bank is an FDIC-insured commercial bank headquartered in Chester, IL, established in 1919 (FDIC certificate 30220), and it is supervised by the OCC. At Q2 2026 it reported total assets of $125.7M, up 18.5% from Q2 2025, the 245th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30220
- Headquarters
- Chester, IL
- Established
- 1919
- Total assets, Q2 2026
- $125.7M
- Assets vs Q2 2025
- +18.5%
- CET1 ratio, Q2 2026
- 15.86%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 281970881
- Latest call report
- Q2 2026, FFIEC 051 · Chester National Bank call report
- Holding company
- CHESTER BANCORP, INC.
- Asset rank in state
- 245th of 319 in Illinois
Chester National Bank operates with a thinner capital cushion than most banks of its size. The Chester, Illinois bank had $126 million in assets at June 30, 2026, up 18.5% from a year earlier. It funds 6.03% of its assets with Tier 1 capital, about half the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%). It has also been growing, with assets up 18.5% in a year.
Net income for the quarter rose 27% from a year earlier, to $340,000. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Chester National Bank reported a CET1 capital ratio of 15.86%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Chester National Bank is the 245th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 4.7% to $125.7M, loans rose 4.1% and deposits rose 5.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 82.7% of total loans, ahead of construction and land development loans at 10.9%. Its 3 offices in the FDIC Summary of Deposits are in Chester, IL, Perryville, MO and Sparta, IL; its Chester office books 90% of its branch deposits. Judged on its Q2 2026 call report, Chester National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1112 State St, Chester, IL 62233
- County
- Randolph
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- Chester Savings Bank, FSB (1989)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $118.3M
- Allowance for credit losses
- $414K
- Net charge-offs (YTD)
- $0
- Average total assets
- $122.5M
- Average total loans
- $59.8M
- Average interest-bearing deposits
- $96.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30220
- Fed RSSD
- 231279
- SEC CIK
- 1010838 → filed by CHESTER BANCORP, INC.
- Website
- www.chesternationalbank.com →
- Parent Holding Company
- CHESTER BANCORP, INC. (RSSD 2434104)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Chester National Bank's total assets ranged from $64.2M (Q4 2023) to $125.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$125.7M total assets against $106.1M; $118.3M total liabilities against $99.4M.
$61.6M net loans and leases against $52.3M; $118.3M total deposits against $99.3M.
$96K securities against $589K; $58.0M cash and balances due against $47.3M.
$1.3M total interest income against $1.1M; $386K total interest expense against $374K.
$898K net interest income against $773K.
$53K total noninterest income against $59K; $516K total noninterest expense against $500K.
No provision recorded in the last 12 quarters.
$340K net income against $267K.
1.11% return on assets against 1.03%; 3.12% net interest margin against 3.29%.
15.86% CET1 capital ratio against 15.93%; 6.03% tier 1 leverage ratio against 6.41%.
Inside the full Chester National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeChester National Bank rankings
Its closest position to the top of a national ranking is 1,179 of 3,606, for efficiency ratio; its furthest is 3,610 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q4 2024) to 1.14% (Q4 2025) and its net interest margin ran from 3.05% (Q1 2025) to 3.29% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.86% | 1.11% | 0.00% | 0.00% | 3.12% |
| Q1 2026 | 17.46% | 1.06% | 0.00% | 0.00% | 3.16% |
| Q4 2025 | 16.70% | 1.14% | 0.00% | 0.00% | 3.18% |
| Q3 2025 | 15.93% | 1.04% | 0.00% | 0.00% | 3.13% |
| Q2 2025 | 15.93% | 1.03% | 0.00% | 0.00% | 3.29% |
| Q1 2025 | 16.72% | 0.90% | 0.14% | 1.02% | 3.05% |
| Q4 2024 | 15.59% | 0.84% | 0.09% | 0.64% | 3.14% |
| Q3 2024 | 16.94% | 0.89% | 0.00% | 0.00% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chester National Bank (main office) | Chester , IL | 62233 | $106.6M |
| Perryville Branch | Perryville , MO | 63775 | $6.5M |
| Sparta Branch | Sparta , IL | 62286 | $5.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 5, 2011 | Structure Change | Acquired Chester National Bank of Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 27, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1989 | Structure Change | Acquired Heritage Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 26, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 285 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Chester National Bank
What are Chester National Bank's total assets?
As of the Q2 2026 filing, Chester National Bank reported total assets of $125.7 million in its FFIEC call report.
Where is Chester National Bank headquartered?
It is headquartered in Chester, IL, United States.
When was Chester National Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Chester National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chester National Bank?
Chester National Bank's primary federal regulator is the OCC.
What is Chester National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Chester National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chester National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Chester National Bank previously called?
The charter now named Chester National Bank has also operated as Chester Savings Bank, FSB (1989), per FDIC structure-change records.
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