Bank · FDIC insured
Chester National Bank
A $125.7M bank headquartered in Chester, IL, with 3 branches in 2 states. Best rates: CDs 3.81% and savings 0.75% APY.
Chester National Bank Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#189 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Chester National Bank
Originally organized in 1919, Chester National Bank is headquartered in Chester, Illinois.
Owned by holding company Chester Bancorp, the bank operates full-service branch offices in Sparta, Illinois, and Perryville, Missouri.
Formed from Chester Savings Bank's 1996 conversion into national banks, Chester National Bank later acquired Chester National Bank of Missouri in 2011.
- Headquarters
- 1112 State St, Chester, IL 62233
- FDIC certificate
- 30220 ↗
Branches
3 branches in 2 states
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Illinois
2 branches
Chester area · 1
- Chester National BankMain office1112 State St, Chester, IL 62233Directions
Sparta area · 1
- Sparta Branch165 W Broadway St, Sparta, IL 62286Directions
Missouri
1 branch
- Perryville Branch1010 N Main St, Perryville, MO 63775Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 6.03% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $52 | $81 | — |
- CapitalLeverage ratio6.03%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$52Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Chester National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.