Chester National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Total risk-based capital ratio: 1.71 percentage points lower than in Q1 2026, at 16.74%. Chester National Bank ranks 184th of 323 Illinois banks on return on assets, in the lower half at 1.11% (Q2 2026). Chester National Bank reported 1.11% on return on assets for Q2 2026, 0.14 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 16.74% |
| Tier 1 leverage ratio | 6.03% |
| Equity capital to assets | 5.87% |
| Tangible equity to tangible assets | 5.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.67% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 18.53% |
| Net interest margin | 3.12% |
| Efficiency ratio | 54.26% |
| Yield on earning assets | 4.47% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.44% |
| Core deposits to total deposits | 94.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 94.10% |
| Securities to assets | 0.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.30% | 16.30% | 17.38% | 9.83% | 0.42% |
| Q4 2023 | 16.41% | 16.41% | 17.49% | 10.15% | 0.45% |
| Q1 2024 | 15.96% | 15.96% | 17.00% | 9.44% | 0.45% |
| Q2 2024 | 17.13% | 17.13% | 18.26% | 8.76% | 0.76% |
| Q3 2024 | 16.94% | 16.94% | 18.03% | 8.02% | 0.89% |
| Q4 2024 | 15.59% | 15.59% | 16.61% | 6.86% | 0.84% |
| Q1 2025 | 16.72% | 16.72% | 17.80% | 6.40% | 0.90% |
| Q2 2025 | 15.93% | 15.93% | 16.92% | 6.41% | 1.03% |
| Q3 2025 | 15.93% | 15.93% | 16.88% | 6.45% | 1.04% |
| Q4 2025 | 16.70% | 16.70% | 17.69% | 6.60% | 1.14% |
| Q1 2026 | 17.46% | 17.46% | 18.45% | 6.17% | 1.06% |
| Q2 2026 | 15.86% | 15.86% | 16.74% | 6.03% | 1.11% |
Chester National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chester National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)