Chester National Bank (FDIC certificate #30220) is based in Chester, Illinois. Its Q2 2026 call report shows $125.7M in total assets and $118.3M in deposits and 3 offices across 2 states.
Chester National Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 262nd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (10/100, 6.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 58).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 64 |
| Q4 2024 | 59 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 59 |
| Q4 2025 | 59 |
| Q1 2026 | 59 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.76% |
| Q3 2024 | 8.02% |
| Q4 2024 | 6.86% |
| Q1 2025 | 6.40% |
| Q2 2025 | 6.41% |
| Q3 2025 | 6.45% |
| Q4 2025 | 6.60% |
| Q1 2026 | 6.17% |
| Q2 2026 | 6.03% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $125.7M | 6.03% | 0.00% | 1.09% | 52.1% |
| Q1 2026 | 59 | $120.1M | 6.17% | 0.00% | 1.07% | 52.6% |
| Q4 2025 | 59 | $116.2M | 6.60% | 0.00% | 1.01% | 52.8% |
| Q3 2025 | 59 | $109.3M | 6.45% | 0.00% | 0.99% | 53.9% |
| Q2 2025 | 59 | $106.1M | 6.41% | 0.00% | 0.97% | 52.7% |
| Q1 2025 | 58 | $101.3M | 6.40% | 0.14% | 0.90% | 52.5% |
| Q4 2024 | 59 | $97.8M | 6.86% | 0.09% | 0.75% | 53.6% |
| Q3 2024 | 64 | $86.5M | 8.02% | 0.00% | 0.71% | 59.2% |
| Q2 2024 | 66 | $76.7M | 8.76% | 0.00% | 0.62% | 66.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Flora Bank & TrustBank Flora, IL | 68 out of 100, Moderate | $126.0M | 8.9% | 0.23% | vs |
| Princeville State BankBank Princeville, IL | 46 out of 100, Below average | $124.4M | 9.2% | 6.42% | vs |
| Midwest National BankBank Sandoval, IL | 38 out of 100, Low | $122.6M | 8.1% | 1.91% | vs |
| 1st Equity BankBank Skokie, IL | 85 out of 100, Very strong | $130.0M | 16.5% | 0.00% | vs |
| Farmers State Bank & Trust Co.Bank Mount Sterling, IL | 73 out of 100, Strong | $130.2M | 9.4% | 0.33% | vs |
| First Community Bank of Moultrie CountyBank Sullivan, IL | 74 out of 100, Strong | $119.7M | 9.1% | 0.10% | vs |
Deposit insurance
Is my money safe at Chester National Bank?
Yes. Chester National Bank is an FDIC-insured institution (FDIC certificate #30220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 62.6% of deposits ($74.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 6.03%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.74% (benchmark: 10%).
3 locations
Branches
Chester National Bank lists 3 offices in 3 cities across 2 states. Most locations:
- Chester, IL (1)
- Perryville, MO (1)
- Sparta, IL (1)
Identity & history
Profile
- Legal name
- Chester National Bank
- Former names
- Chester Savings Bank, FSB; Chester Savings and Loan Association
- Type
- National bank
- FDIC certificate #
- 30220
- RSSD ID
- 231279
- Primary regulator
- OCC
- Holding company
- Chester Bcorp Inc
- Established
- January 1, 1919
- Headquarters
- 1112 State St, Chester, IL 62233
- Website
- www.chesternationalbank.com
- Employees
- 15
Quick answers
Chester National Bank: common questions
Is Chester National Bank FDIC insured?
Yes. Chester National Bank is an FDIC-insured institution (FDIC certificate #30220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Chester National Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Chester National Bank ever failed?
There is no failure record for FDIC certificate #30220 in the FDIC failed bank list.
How many branches does Chester National Bank have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Chester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| The First National Bank of SpartaBank Sparta, IL | 84 out of 100, Strong | $114.6M | 12.6% | 0.56% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
| First State Bank of Campbell HillBank Campbell Hill, IL | 76 out of 100, Strong | $160.1M | 13.8% | 1.59% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |