CITIZENS BANK OF CHATSWORTH

CHATSWORTH, IL | Micro | Est. Dec. 7, 1903, midnight | FDIC #10843 | RSSD #441135 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF CHATSWORTH is amn micro FDIC-insured commercial bank headquartered in CHATSWORTH, IL, established in Dec. 7, 1903, midnight. As of 2025-12-31, the bank reported total assets of $37M and total deposits of $33M. Profitability stands at 0.31% ROA and 3.38% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 24.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.63% and a Texas Ratio of 6.75%. FDIC Certificate #10843.

Assets

$37M

Deposits

$33M

Loans

$17M

Equity

$4M

Profitability

Return on Assets (ROA) 0.31%
Return on Equity (ROE) 3.38%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.43%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 1.63%
Net Charge-Off Ratio 0.03%
Texas Ratio 6.75%
NPA Ratio 0.74%
ACL / Loans 1.78%

Capital & Liquidity

CET1 Ratio 24.52%
Tier 1 Capital 24.52%
Total Capital Ratio 25.77%
Leverage Ratio 14.15%
Loan-to-Deposit 51.94%

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