Total Assets
$21M
Total balance-sheet footings
FDIC Cert #10872 · Chesterfield, Illinois · Est. 1898
Chesterfield State Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $21M
- Total assets
- F
- Health grade · At Risk
- -1.93%
- Return on assets
- 10.4%
- Tier 1 capital
The verdict
Chesterfield State Bank earns a PlainBankData health grade of F (28/100), with well-capitalized at 10.40% Tier 1, -1.93% ROA, 93% efficiency ratio.
- #4,275
- largest of 4,313 FDIC banks by assets
- 1st
- percentile by asset size, nationally
- 10.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$20M
Customer-funded liabilities
Net Loans
$15M
Outstanding loan book
Net Income
$-434K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - Chesterfield State Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.40% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.40%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
112.01%
Equity Capital
Tangible book value as a capital buffer
$1M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 1th pct nationally
-1.93%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-22.85%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
93.34%
What the numbers say about Chesterfield State Bank
Chesterfield State Bank is an FDIC-insured institution (Certificate #10872) headquartered in Chesterfield, Illinois, established in 1898. It holds $21M in total assets — 4,275th of 4,313 FDIC-insured banks, $20M in customer deposits, and $15M in net loans. On safety, its Tier 1 capital ratio of 10.40% is above the 10% well-capitalized threshold, and its Texas Ratio of 112.01% sits above the 50% level analysts watch. It earns a PlainBankData health grade of F (28/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$1M
Interest Income
$46K
Non-Interest Income
$687K
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Chesterfield State Bank reports a Texas Ratio of 112.01% — in the danger zone above 100%, where troubled assets exceed the capital cushion.
Texas Ratio
Caution 50%
112.01% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Chesterfield State Bank
Chesterfield State Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 112.01% sits in the danger zone above 100%, where troubled assets exceed the capital and reserves available to absorb them. The bank reported negative net income of $-434K for the period — a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Chesterfield State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts — it is not a prediction of failure, and it does not affect insured-deposit safety.
FDIC deposit insurance
Chesterfield State Bank is FDIC-insured (Certificate #10872). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) Chesterfield State Bank (FDIC Cert #10872) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Chesterfield State Bank's health grade?▼
Chesterfield State Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Chesterfield State Bank?▼
Chesterfield State Bank holds $21M in total assets and $20M in deposits, ranking 4,275th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chesterfield, Illinois.
Is my money safe at Chesterfield State Bank?▼
Yes. Chesterfield State Bank is FDIC-insured (Certificate #10872). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Chesterfield State Bank's Tier 1 Capital Ratio?▼
Chesterfield State Bank has a Tier 1 Capital Ratio of 10.40%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Chesterfield State Bank?▼
Chesterfield State Bank has a Texas Ratio of 112.01%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Chesterfield State Bank?▼
Chesterfield State Bank has an Efficiency Ratio of 93.34%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Chesterfield State Bank's profile as a depositor or analyst.
- Chesterfield State Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare Chesterfield State Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.