Chester National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 11.5% higher than in Q1 2026, at $46.6M. Within Illinois, Chester National Bank is 86th of 198 on CET1 ratio, 15.86% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Chester National Bank sits 0.79 points higher, at 15.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 16.74% |
| Tier 1 leverage ratio | 6.03% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.4M |
| Tier 1 capital | $7.4M |
| Total risk-based capital | $7.8M |
| Total equity capital | $7.4M |
| Risk-weighted assets | $46.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.87% |
| Tangible equity to tangible assets | 5.87% |
| Equity capital to average assets | 6.03% |
| Internal capital growth rate | 4.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $1.4M |
| Retained earnings | $2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.30% | 16.30% | 17.38% | 9.83% | $38.5M |
| Q4 2023 | 16.41% | 16.41% | 17.49% | 10.15% | $38.7M |
| Q1 2024 | 15.96% | 15.96% | 17.00% | 9.44% | $40.2M |
| Q2 2024 | 17.13% | 17.13% | 18.26% | 8.76% | $37.0M |
| Q3 2024 | 16.94% | 16.94% | 18.03% | 8.02% | $38.4M |
| Q4 2024 | 15.59% | 15.59% | 16.61% | 6.86% | $40.8M |
| Q1 2025 | 16.72% | 16.72% | 17.80% | 6.40% | $38.2M |
| Q2 2025 | 15.93% | 15.93% | 16.92% | 6.41% | $41.8M |
| Q3 2025 | 15.93% | 15.93% | 16.88% | 6.45% | $43.5M |
| Q4 2025 | 16.70% | 16.70% | 17.69% | 6.60% | $41.8M |
| Q1 2026 | 17.46% | 17.46% | 18.45% | 6.17% | $41.8M |
| Q2 2026 | 15.86% | 15.86% | 16.74% | 6.03% | $46.6M |
Chester National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chester National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chester National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30220) · FFIEC NIC profile (RSSD 231279)