Headquartered in Chesterfield, Illinois, Chesterfield State Bank is a state-chartered bank with $21.7M in total assets and $19.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1898.
Based on its Q2 2026 filing, Chesterfield State Bank scores 43/100, which we describe as below average. That is higher than only 6% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 307th. Its strongest component is earnings (95/100; 1.89%), and its lowest is problem-loan coverage (0/100; 78.7%).
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
From Q2 2025 to Q2 2026, the score rose 10 points (33 → 43), mostly because the earnings component improved by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 51 |
| Q4 2024 | 46 |
| Q1 2025 | 30 |
| Q2 2025 | 33 |
| Q3 2025 | 34 |
| Q4 2025 | 19 |
| Q1 2026 | 27 |
| Q2 2026 | 43 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.81% |
| Q4 2024 | 8.38% |
| Q1 2025 | 8.72% |
| Q2 2025 | 9.19% |
| Q3 2025 | 9.44% |
| Q4 2025 | 7.08% |
| Q1 2026 | 7.43% |
| Q2 2026 | 8.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.45% |
| Q1 2025 | 9.82% |
| Q2 2025 | 13.98% |
| Q3 2025 | 9.32% |
| Q4 2025 | 12.78% |
| Q1 2026 | 8.44% |
| Q2 2026 | 11.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.20% |
| Q4 2024 | -0.13% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.54% |
| Q4 2025 | -1.93% |
| Q1 2026 | 0.31% |
| Q2 2026 | 1.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $21.7M | 8.15% | 11.20% | 1.89% | 67.3% |
| Q1 2026 | 27 | $21.9M | 7.43% | 8.44% | 0.31% | 73.2% |
| Q4 2025 | 19 | $21.4M | 7.08% | 12.78% | -1.93% | 74.5% |
| Q3 2025 | 34 | $21.7M | 9.44% | 9.32% | 0.54% | 79.2% |
| Q2 2025 | 33 | $22.8M | 9.19% | 13.98% | 0.51% | 75.9% |
| Q1 2025 | 30 | $23.1M | 8.72% | 9.82% | 0.24% | 76.6% |
| Q4 2024 | 46 | $23.5M | 8.38% | 1.45% | -0.13% | 78.8% |
| Q3 2024 | 51 | $23.8M | 8.81% | 1.32% | 0.20% | 80.7% |
| Q2 2024 | 50 | $23.8M | 8.71% | 1.24% | 0.07% | 81.6% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Peoples Bank of MaconBank Macon, IL | 82 out of 100, Strong | $22.7M | 13.6% | 0.00% | vs |
| Farmers State Bank of MedoraBank Medora, IL | 69 out of 100, Moderate | $20.4M | 15.5% | 1.70% | vs |
| Sainte Marie State BankBank Sainte Marie, IL | 76 out of 100, Strong | $23.0M | 15.8% | 0.31% | vs |
| The First National Bank of AssumptionBank Assumption, IL | 70 out of 100, Strong | $25.2M | 11.1% | 1.24% | vs |
| Hartsburg State BankBank Hartsburg, IL | 73 out of 100, Strong | $18.1M | 11.5% | 0.20% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Chesterfield State Bank?
Yes. Chesterfield State Bank is an FDIC-insured institution (FDIC certificate #10872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.4% of deposits ($866K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.15%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.48% (benchmark: 10%).
1 location
Branches
Chesterfield State Bank lists 1 office in 1 city. Most locations:
- Chesterfield, IL (1)
Identity & history
Profile
- Legal name
- Chesterfield State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10872
- RSSD ID
- 767246
- Primary regulator
- FDIC
- Established
- September 21, 1898
- Headquarters
- 25 S Main St, Chesterfield, IL 62630
- Employees
- 4
Quick answers
Chesterfield State Bank: common questions
Is Chesterfield State Bank FDIC insured?
Yes. Chesterfield State Bank is an FDIC-insured institution (FDIC certificate #10872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Chesterfield State Bank's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Chesterfield State Bank ever failed?
There is no failure record for FDIC certificate #10872 in the FDIC failed bank list.
How many branches does Chesterfield State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chesterfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |
| Taylorville Community Credit UnionCredit union Taylorville, IL | 77 out of 100, Strong | $90.8M | 12.6% | 0.87% | vs |