BanksCITIZENS BANK OF CHATSWORTH

CITIZENS BANK OF CHATSWORTH

CHATSWORTH, ILMicroEst. Dec. 7, 1903, midnightFDIC #10843RSSD #441135FDIC
Latest · 2025-12-31

CITIZENS BANK OF CHATSWORTH is an 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%. CET1 capital ratio: 24.52%, well above regulatory minimums. NPL ratio: 1.63% · Texas Ratio: 6.75%. Operates 2 domestic branches.

Assets
$37M
Deposits
$33M
Loans
$17M
Equity
$4M

Profitability

Return on Assets (ROA)0.31%
Return on Equity (ROE)3.38%
Net Interest Margin3.92%
Yield on Assets5.43%
Cost of Funds1.54%

Asset Quality

NPL Ratio1.63%
Net Charge-Off Ratio0.03%
Texas Ratio6.75%
NPA Ratio0.74%
ACL / Loans1.78%

Capital & Liquidity

CET1 Ratio24.52%
Tier 1 Capital24.52%
Total Capital Ratio25.77%
Leverage Ratio14.15%
Loan-to-Deposit51.94%

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