Chester National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.72 percentage points lower than in Q1 2026, at 86.31%. Chester National Bank ranks 272nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 52.44% (Q2 2026). Chester National Bank reported 52.44% on loan-to-deposit ratio for Q2 2026, 28.40 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.0M |
| Net loans and leases | $61.6M |
| Loans held for sale | $0 |
| Loans to total assets | 49.34% |
| Loan-to-deposit ratio | 52.44% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.64% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.22% |
| Consumer | 1.57% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.31% |
| Construction concentration (Tier 1 capital + allowance) | 86.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.37% |
| Interest income on loans | $803K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $44.5M | $59.9M | 5.65% | 2.93% | 3.59% |
| Q4 2023 | $44.5M | $58.0M | 6.09% | 2.59% | 3.20% |
| Q1 2024 | $45.1M | $62.3M | 5.81% | 2.28% | 3.16% |
| Q2 2024 | $46.9M | $70.4M | 5.35% | 2.34% | 3.38% |
| Q3 2024 | $47.7M | $79.9M | 5.08% | 2.38% | 3.56% |
| Q4 2024 | $49.4M | $91.3M | 4.76% | 2.52% | 3.32% |
| Q1 2025 | $50.2M | $94.8M | 3.23% | 1.41% | 2.92% |
| Q2 2025 | $52.7M | $99.3M | 2.82% | 1.64% | 2.64% |
| Q3 2025 | $55.6M | $102.3M | 2.71% | 1.39% | 2.30% |
| Q4 2025 | $58.0M | $109.0M | 2.73% | 1.47% | 2.13% |
| Q1 2026 | $59.6M | $112.6M | 2.64% | 1.48% | 1.99% |
| Q2 2026 | $62.0M | $118.3M | 2.64% | 2.22% | 1.57% |
Chester National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chester National Bank, freeSource: Call Report Schedule RC-C, 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)