🏦Bank Scorer

CHESTERFIELD STATE BANK

CHESTERFIELD, IL · Supervised by FDIC

Est. 1898FDIC #10,872RSSD: FDIC-10872
Satisfactory Same

Current rating · Exam: November 2021

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.31%

Institution Profile

FDIC BankFind

Address

25 S Main St, CHESTERFIELD, IL

County

Macoupin County

Established

September 21, 1898

Total Assets

$22M(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

November 1, 2021

Exam Type

Small Bank

Regulator

FDIC
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$22M

Total Deposits

$20M

Net Loans

$15M

Net Income

$17K

ROA

0.31%

Below avg for Small banks. Peer avg: 0.44%

ROE

4.44%

Risk-Based Capital

12.51%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.31%Peer avg: 0.44%▼ Below avg
Risk-Based Capital12.51%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$21M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Nov 2021SatisfactorySmall Bank
Oct 2015SatisfactorySmall Bank
Jul 2009SatisfactorySmall Bank

6 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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