Chester National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chester National Bank of Chester, IL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.34% | -0.23% | 39th below |
| ROAE | 18.53% | 13.32% | +5.21% | 82nd top |
| Net Interest Margin | 3.12% | 3.93% | -0.81% | 13th bottom |
| Efficiency Ratio | 54.26% | 61.13% | -6.87% | 71st above |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 4.47% | 5.67% | -1.20% | 8th bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 74th above |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.67% | 1.28% | -0.61% | 6th bottom |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.86% | 19.49% | -3.63% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.86% | 19.52% | -3.66% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.74% | 20.61% | -3.87% | 55th above |
| Leverage Ratio | 6.03% | 12.14% | -6.11% | 0th bottom |
| Equity / Assets | 5.87% | 11.37% | -5.50% | 2nd bottom |
| TCE / Tangible Assets | 5.87% | 11.08% | -5.21% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.44% | 80.66% | -28.22% | 90th top |
| Core Deposit Ratio | 94.96% | 86.85% | +8.11% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.54% | 6.84% | +11.70% | 94th top |
| Loan Growth (Y/Y) | 17.69% | 7.92% | +9.77% | 90th top |
| Deposit Growth (Y/Y) | 19.10% | 6.29% | +12.81% | 94th top |
See Chester National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chester National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Chester National Bank profile, how to read a UBPR, or how this data updates.