🏦Bank Scorer

CHESTER NATIONAL BANK

CHESTER, IL · Supervised by OTS

Est. 1919FDIC #30,220
Satisfactory Up

Current rating · Exam: April 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

1112 State St, CHESTER, IL

County

Randolph County

Established

January 1, 1919

Total Assets

$120M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 30, 1996

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$120M

Total Deposits

$113M

Net Loans

$59M

Net Income

$315K

ROA

1.07%

ROE

17.65%

Risk-Based Capital

18.45%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$99M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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