BlastPoint's Banking Scorecard
Chester National Bank
Micro
Specialty: Other
IL
FDIC cert 30220
Designations: ✓ Community bank
Chester, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Chester National Bank shows strong momentum with 2 strengths and 18.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.2M
+18.8% YoY
+6.3% QoQ
|
-$101.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$57.6M
+17.5% YoY
+4.4% QoQ
|
-$81.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$109.0M
+19.4% YoY
+6.6% QoQ
|
-$74.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.01%
+34.6% YoY
+1.9% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.13%
-3.5% YoY
-0.1% QoQ
|
-0.72% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
61.17%
-15.0% YoY
-0.2% QoQ
|
-6.56% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.79%
-1.6% YoY
-2.1% QoQ
|
-21.73% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
11.26%
-36.2% YoY
-15.2% QoQ
|
-11.13% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.70%
+7.1% YoY
+4.9% QoQ
|
+7.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.20%
-12.8% YoY
+56.6% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.79% · Tier avg: 74.53%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.70% · Tier avg: 8.85%
64
64th pctile
Efficiency Ratio
Current: 61.17% · Tier avg: 67.73%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
31
31th pctile
Total Deposits
Current: $109.0M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $116.2M · Tier avg: $217.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
24
24th pctile
Total Loans
Current: $57.6M · Tier avg: $139.2M
20
20th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 22.39%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 22.39%
20
20th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.85%
24
24th pctile
Total Loans
Current: $57.6M · Tier avg: $139.2M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
27
27th pctile
Total Assets
Current: $116.2M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $109.0M · Tier avg: $183.7M
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 61.17% · Tier avg: 67.73%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.70% · Tier avg: 8.85%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.79% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%