Chesterfield State 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 Retained earnings: 14.5% higher than in Q1 2026, at $1.4M. Within Illinois, Chesterfield State Bank is 136th of 198 on CET1 ratio, 13.24% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Chesterfield State Bank sits 6.33 points lower, at 13.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.24% |
| Tier 1 risk-based capital ratio | 13.24% |
| Total risk-based capital ratio | 14.48% |
| Tier 1 leverage ratio | 8.15% |
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 | $1.8M |
| Tier 1 capital | $1.8M |
| Total risk-based capital | $2.0M |
| Total equity capital | $1.8M |
| Risk-weighted assets | $13.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.10% |
| Tangible equity to tangible assets | 8.10% |
| Equity capital to average assets | 7.89% |
| Internal capital growth rate | 47.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $375K |
| Retained earnings | $1.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$59K |
| 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 | — | — | — | 9.62% | — |
| Q4 2023 | — | — | — | 8.99% | — |
| Q1 2024 | — | — | — | 9.05% | — |
| Q2 2024 | — | — | — | 8.71% | — |
| Q3 2024 | — | — | — | 8.81% | — |
| Q4 2024 | 12.81% | 12.81% | 14.06% | 8.38% | $15.8M |
| Q1 2025 | 12.76% | 12.76% | 14.00% | 8.72% | $16.0M |
| Q2 2025 | 12.76% | 12.76% | 14.00% | 9.19% | $16.4M |
| Q3 2025 | 13.98% | 13.98% | 15.15% | 9.44% | $15.2M |
| Q4 2025 | 10.40% | 10.40% | 11.65% | 7.08% | $14.9M |
| Q1 2026 | 11.27% | 11.27% | 12.51% | 7.43% | $14.5M |
| Q2 2026 | 13.24% | 13.24% | 14.48% | 8.15% | $13.7M |
Chesterfield State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesterfield State 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 Chesterfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10872) · FFIEC NIC profile (RSSD 767246)