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Chester National Bank
Chester, IL · FDIC Certificate #30220 · Chartered 01/0
Total assets
$125.72M
Total deposits
$118.30M
Total equity
$7.38M
Net loans
$61.62M
Branches (offices)
3
Net income (YTD)
$655.00K
Rank: #3,487 of 4,213 U.S. banks by assets · #247 of 322 in Illinois. Assets changed 18.5% and deposits 19.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 18.15% |
| Net interest margin (YTD) | 3.12% |
| Equity to assets | 5.87% |
| Tier 1 leverage ratio | 6.03% |
| Uninsured deposits (share of deposits) | 62.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 52.1% |
| Real estate loans (share of loans) | 96.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.68M | 96.9% | |
| Commercial & industrial | $1.38M | 2.2% | |
| Consumer / individual | $976.00K | 1.6% | |
| Construction & development | $6.73M | 10.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $65.48M | $59.31M | -$85.00K | $6.02M |
| Jun 2023 | $71.70M | $65.47M | $173.00K | $6.11M |
| Jun 2024 | $76.71M | $70.44M | $215.00K | $6.21M |
| Jun 2025 | $106.05M | $99.32M | $491.00K | $6.65M |
| Jun 2026 | $125.72M | $118.30M | $655.00K | $7.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $111.76M | 2 |
| Missouri | $6.54M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $118.30M.
Similar-sized banks
Eastern International Bank ($125.82M) · The Hamler State Bank ($125.28M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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