Chester National Bank
Chester, IL
IDRSSD: 231279
Total Assets
$109.33M
Latest filing
Total Deposits
$102.29M
Latest filing
Net Interest Margin
3.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Chester National Bank
1112 State St
Chester, IL 62233
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1919FDIC Certificate 43054
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Chester National Bank (Main) | 1112 State St | Chester, IL |
| SPARTA BRANCH | 165 W Broadway St | Sparta, IL |
| PERRYVILLE BRANCH | 1010 N Main St | Perryville, MO |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62233 |
| State and County Number | 17157 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.chesternationalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 30220 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $109.33M |
| Total Deposits | $102.29M |
| Total Liabilities | $102.40M |
| Total Equity Capital | $6.93M |
| Net Income | $278.00k |
| Net Loans and Leases | $55.14M |
| Assets Per Employee ($Millions) | $7.29M |
| Bank Premises and Fixed Assets | $396.00k |
| Cash and Balances due from Depository Institutions | $35.01M |
| Deposits Held in Domestic Offices | $102.29M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 16.39% |
| Net Interest Margin | 3.12% |
| Efficiency Ratio | 59.15% |
| Tier 1 Risk-Based Capital Ratio | 15.929% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.336% |
| Earning Assets to total Assets | 92.94% |
Income and Expense
| Total Interest Income | $1.18M |
| Total Noninterest Income | $23.00k |
| Total Interest Expense | $403.00k |
| Total Noninterest Expense | $475.00k |
| Net Interest Income | $780.00k |
| Pre-tax Net Operating Income | $328.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.70M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $109.00k |
| Total Liabilities and Capital | $109.33M |
Securities
| Securities | $594.00k |
| Available-for-sale debt securities | $594.00k |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Chester National Bank?
$109.33M as of the latest filing.
How much are Chester National Bank's total deposits?
$102.29M in total deposits.
Where is Chester National Bank located?
Chester, IL.
What is the Net Interest Margin?
3.12%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$55.14M (latest filing).
What is the total interest income (latest filing)?
$1.18M.