Chesterfield State Bank

Chesterfield State Bank is one of the more profitable banks of its size. Its balance sheet stood at $22 million at June 30, 2026, down 4.8% from a year earlier; it is based in Chesterfield, Illinois. It earns about $3.36 a year on every $100 of assets, about triple the median of $1.06 for the 583 banks with less than $100 million in assets. On the other hand, it holds common equity equal to 13.24% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 22.08%).

Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 11.20% of loans, down from 13.98% a year earlier. Its $2.9 million commercial and industrial book is improving, with 19.18% past due or on nonaccrual, down from 29.71% a year earlier. Credit is the area to watch: it carries problem assets equal to 78.7% of the capital and reserves that would absorb them, 57.0 times the median of 1.4% for banks its size.

As of June 30, 2026, Chesterfield State Bank reported a CET1 capital ratio of 13.24%, a return on assets of 3.36%, a nonperforming-loan ratio of 11.20% and a Texas ratio of 78.70%. The figures come from its call report filed with the FFIEC.