Chesterfield State 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 Return on equity: 40.52 percentage points higher than in Q1 2026, at 44.95%. Among 323 Illinois banks, Chesterfield State Bank sits 3rd from the top on return on assets, 3.36% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Chesterfield State Bank reported 3.36% on return on assets in Q2 2026, 2.38 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.24% |
| Tier 1 risk-based capital ratio | 13.24% |
| Total risk-based capital ratio | 14.48% |
| Tier 1 leverage ratio | 8.15% |
| Equity capital to assets | 8.10% |
| Tangible equity to tangible assets | 8.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.93% |
| Non-performing assets ratio | 2.46% |
| Net charge-off ratio | -4.08% |
| Texas ratio | 78.70% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 31.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.36% |
| Return on equity | 44.95% |
| Net interest margin | 3.65% |
| Efficiency ratio | 87.74% |
| Yield on earning assets | 5.09% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.19% |
| Core deposits to total deposits | 95.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.60% |
| Securities to assets | 2.72% |
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 | — | — | — | 9.62% | 1.01% |
| Q4 2023 | — | — | — | 8.99% | -0.94% |
| Q1 2024 | — | — | — | 9.05% | 0.11% |
| Q2 2024 | — | — | — | 8.71% | 0.03% |
| Q3 2024 | — | — | — | 8.81% | 0.47% |
| Q4 2024 | 12.81% | 12.81% | 14.06% | 8.38% | -1.09% |
| Q1 2025 | 12.76% | 12.76% | 14.00% | 8.72% | 0.24% |
| Q2 2025 | 12.76% | 12.76% | 14.00% | 9.19% | 0.79% |
| Q3 2025 | 13.98% | 13.98% | 15.15% | 9.44% | 0.60% |
| Q4 2025 | 10.40% | 10.40% | 11.65% | 7.08% | -9.62% |
| Q1 2026 | 11.27% | 11.27% | 12.51% | 7.43% | 0.31% |
| Q2 2026 | 13.24% | 13.24% | 14.48% | 8.15% | 3.36% |
Chesterfield State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesterfield State 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 Chesterfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10872) · FFIEC NIC profile (RSSD 767246)