Chesterfield State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chesterfield State Bank of Chesterfield, IL against its peer group of 536 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 | 3.36% | 3.13% | +0.23% | 92nd top |
| ROAE | 44.95% | 10.40% | +34.55% | 99th top |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 37th below |
| Efficiency Ratio | 87.74% | 76.29% | +11.45% | 20th bottom |
| PPNR / Avg Assets | 0.47% | 1.40% | -0.93% | 19th bottom |
| Yield on Earning Assets | 5.09% | 5.35% | -0.26% | 45th below |
| Cost of Funds | 1.54% | 1.70% | -0.16% | 50th above |
| Net Interest Spread | 2.93% | 3.31% | -0.38% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.93% | 1.34% | +2.59% | 8th bottom |
| NPA / Total Assets | 2.46% | 0.71% | +1.75% | 6th bottom |
| NCO / Avg Loans | -4.08% | 0.11% | -4.19% | 100th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.49% | -0.23% | 52nd above |
| ACL / NPLs (Coverage) | 31.95% | 864.88% | -832.93% | 9th bottom |
| Texas Ratio | 78.70% | 8.21% | +70.49% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.24% | 61.92% | -48.68% | 12th bottom |
| Tier 1 Ratio | 13.24% | 61.93% | -48.69% | 12th bottom |
| Total Capital Ratio | 14.48% | 62.89% | -48.41% | 13th bottom |
| Leverage Ratio | 8.15% | 17.61% | -9.46% | 5th bottom |
| Equity / Assets | 8.10% | 16.43% | -8.33% | 9th bottom |
| TCE / Tangible Assets | 8.10% | 16.18% | -8.08% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.19% | 72.83% | -4.64% | 48th below |
| Core Deposit Ratio | 95.97% | 88.21% | +7.76% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.83% | 4.31% | -9.14% | 12th bottom |
| Loan Growth (Y/Y) | -14.96% | 6.74% | -21.70% | 4th bottom |
| Deposit Growth (Y/Y) | -4.12% | 3.77% | -7.89% | 17th bottom |
See Chesterfield State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chesterfield State 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 Chesterfield State Bank profile, how to read a UBPR, or how this data updates.