BlastPoint's Banking Scorecard
Chesterfield State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 10872
Designations: ✓ Community bank
Chesterfield, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Chesterfield State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 11.93% above tier
- - Nonperforming Asset Ratio 8.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$21.9M
-6.9% YoY
+0.8% QoQ
|
-$195.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$15.2M
-10.3% YoY
-1.9% QoQ
|
-$124.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$19.8M
-7.9% YoY
+1.1% QoQ
|
-$163.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.46%
+464.3% YoY
-14.7% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.45%
+7.8% YoY
+2.4% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
85.77%
-3.7% YoY
+1.7% QoQ
|
+18.04% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
12.56%
+755.6% YoY
+33.3% QoQ
|
+11.93% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
76.85%
-2.5% YoY
-2.9% QoQ
|
+2.33% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
29.53%
+27.8% YoY
+6.6% QoQ
|
+7.14% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
8.73%
+724.7% YoY
+29.7% QoQ
|
+8.28% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.89%
+8.5% YoY
-0.6% QoQ
|
+5.04% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.21%
+45.3% YoY
+30.4% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
12.56%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
8.73%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.53% · Tier avg: 22.39%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.89% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.85% · Tier avg: 74.53%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.77% · Tier avg: 67.73%
5
5th pctile
Total Loans
Current: $15.2M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $19.8M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $21.9M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 12.56% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 8.73% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 8.73% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 12.56% · Tier avg: 0.64%
1
1th pctile
Total Assets
Current: $21.9M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $19.8M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $15.2M · Tier avg: $139.2M
13
13th pctile
Efficiency Ratio
Current: 85.77% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.85% · Tier avg: 74.53%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.89% · Tier avg: 8.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.53% · Tier avg: 22.39%