$21.9M
−5.2%y/y
Percentile by value16th percentileby value
FDIC
ASSETCS
Chesterfield State Bank
Chesterfield, IllinoisFDIC Cert #10872
STATEEstablished 18981 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportChesterfield State Bank reported $21.9M in total assets. Deposits declined 3.98% over the prior year.
Return on assets was 0.31%, compared with the official FFIEC UBPR peer median of 0.90%. The leverage ratio was 7.43%.
- Why is Noncurrent Loan Ratio above its official FFIEC UBPR peers?
- Why is Total Assets below its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$20.3M
−4.0%y/y
Percentile by value25th percentileby value
FDIC
DEP$14.8M
−8.2%y/y
Percentile by value53rd percentileby value
FDIC
LNLSNET0.31%
+7 bpsy/y
Peer standing25th percentile
FDIC
NETINC + ROA105.29%
+1,345 bpsy/y
Peer standing14th percentile
FDIC
NONIX + NIM + NONII + EEFFR7.43%
−128 bpsy/y
Peer standing0th percentile
FDIC
RBC1AAJPercentiles compare this bank with 136 ffiec ubpr peer group 8 — insured commercial banks having assets less than $50 million.
Side-by-side comparison
Chesterfield State Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.31%
Registry median
0.90%
This bank
4.44%
FFIEC trimmed average
6.20%
This bank
2.96%
Registry median
3.85%
This bank
105.29%
Registry median
75.82%
This bank
−3.98%
FFIEC trimmed average
+1.52%
This bank
−8.23%
FFIEC trimmed average
+3.22%
This bank
8.44%
FFIEC trimmed average
0.89%
This bank
7.43%
FFIEC trimmed average
16.34%
This bank
2.30%
Registry median
1.78%
This bank
8%
Registry median
9%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.31%
Registry median
1.18%
This bank
4.44%
FFIEC trimmed average
11.48%
This bank
2.96%
Registry median
3.65%
This bank
105.29%
Registry median
63.16%
This bank
−3.98%
FFIEC trimmed average
+4.17%
This bank
−8.23%
FFIEC trimmed average
+5.04%
This bank
8.44%
FFIEC trimmed average
0.84%
This bank
7.43%
FFIEC trimmed average
11.08%
This bank
2.30%
Registry median
2.17%
This bank
8%
Registry median
139%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $21.3M | $19.1M |
| Q3 2021 | $21.8M | $19.7M |
| Q4 2021 | $23.9M | $21.9M |
| Q1 2022 | $23.6M | $21.6M |
| Q2 2022 | $22.6M | $20.5M |
| Q3 2022 | $22.9M | $20.8M |
| Q4 2022 | $22.2M | $19.4M |
| Q1 2023 | $22M | $19.9M |
| Q2 2023 | $22.5M | $20.5M |
| Q3 2023 | $22.9M | $20.8M |
| Q4 2023 | $22.8M | $20.8M |
| Q1 2024 | $23.7M | $21.7M |
| Q2 2024 | $23.8M | $21.8M |
| Q3 2024 | $23.8M | $21.7M |
| Q4 2024 | $23.5M | $21.5M |
| Q1 2025 | $23.1M | $21.1M |
| Q2 2025 | $22.8M | $20.7M |
| Q3 2025 | $21.7M | $19.6M |
| Q4 2025 | $21.4M | $19.8M |
| Q1 2026 | $21.9M | $20.3M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $144K |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $5.91M |
| C&I | $3.86M |
| Agriculture | $3.92M |
| Other | $1.17M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.31%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.56%Median 0.90%90th 2.26%Observations 136
ROE
FDIC
NETINC + ROE4.44%34th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.28%Median 7.12%90th 15.63%Observations 136
NIM
FDIC
NIM + NIMY2.96%16th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.78%Median 3.85%90th 5.10%Observations 136
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR105.29%14th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.02%Median 75.82%90th 114.19%Observations 136
Deposits YoY
FDIC
DEP−3.98%26th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −9.27%Median +0.92%90th +12.70%Observations 135
Loans YoY
FDIC
LNLSNET−8.23%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −9.88%Median +2.06%90th +21.05%Observations 127
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR8.44%95th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.22%90th 3.65%Observations 127
Leverage
FDIC
RBC1AAJ7.43%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.98%Median 13.22%90th 30.79%Observations 136
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.30%29th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.94%Median 1.78%90th 3.06%Observations 133
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC8%48th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 85%Observations 65
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.31%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.52%Median 1.18%90th 1.84%Observations 293
ROE
FDIC
NETINC + ROE4.44%10th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.49%Median 11.19%90th 18.58%Observations 293
NIM
FDIC
NIM + NIMY2.96%12th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.65%90th 4.47%Observations 293
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR105.29%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.04%Median 63.16%90th 82.27%Observations 293
Deposits YoY
FDIC
DEP−3.98%8th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.47%Median +3.32%90th +13.95%Observations 293
Loans YoY
FDIC
LNLSNET−8.23%5th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.73%Median +4.77%90th +17.02%Observations 292
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR8.44%99th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.56%90th 2.81%Observations 292
Leverage
FDIC
RBC1AAJ7.43%1st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.75%90th 14.51%Observations 293
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.30%43rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.29%Median 2.17%90th 3.19%Observations 292
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC8%4th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 26%Median 139%90th 296%Observations 186
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Chesterfield, IL
FDIC
OFFDOMOpen the Illinois dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data