Citizens Bank of Chatsworth
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Chatsworth is an FDIC-insured commercial bank headquartered in Chatsworth, IL, established in 1903 (FDIC certificate 10843), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $36.2M, down 0.6% from Q2 2025, the 304th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 24.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10843
- Headquarters
- Chatsworth, IL
- Established
- 1903
- Total assets, Q2 2026
- $36.2M
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 24.05%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071108313
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Chatsworth call report
- Holding company
- CBC FINANCIAL, INC.
- Asset rank in state
- 304th of 319 in Illinois
Citizens Bank of Chatsworth, based in Chatsworth, Illinois, reported $36 million in assets at June 30, 2026. It is losing 2.7% a year on shareholders' equity, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 8.6%). It also spends about 101 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.31% of loans from 1.50%. It lost $24,000 in the quarter. Concentration is the risk to watch: it holds commercial real estate loans worth 0.8 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Citizens Bank of Chatsworth reported a CET1 capital ratio of 24.05%, a return on assets of -0.24%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 1.50%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Citizens Bank of Chatsworth is the 304th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.7% to $36.2M, loans rose 2.9% and deposits fell 6.0%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 41.7% of total loans, followed by non-owner-occupied commercial real estate loans at 24.1%. The FDIC Summary of Deposits lists 2 offices for it, in Chatsworth, IL and Normal, IL; its Chatsworth office books 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank of Chatsworth meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 502 E Locust St, Chatsworth, IL 60921
- County
- Livingston
- Metro Area
- Pontiac, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 7, 1903
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $31.8M
- Allowance for credit losses
- $188K
- Net charge-offs (YTD)
- $113K
- Average total assets
- $40.3M
- Average total loans
- $16.8M
- Average interest-bearing deposits
- $25.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10843
- Fed RSSD
- 441135
- Website
- www.bankatcbc.com →
- Parent Holding Company
- CBC FINANCIAL, INC. (RSSD 5164626)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank of Chatsworth's total assets ran between $36.2M (Q2 2026) and $42.5M (Q3 2024), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$36.2M total assets against $36.4M; $32.7M total liabilities against $33.7M.
$17.1M net loans and leases against $15.4M; $31.8M total deposits against $32.8M.
$12.7M securities against $13.2M; $3.7M cash and balances due against $5.5M.
$457K total interest income against $471K; $123K total interest expense against $153K.
$334K net interest income against $318K.
$20K total noninterest income against $22K; $376K total noninterest expense against $386K.
$0 provision for credit losses against -$84K.
-$24K net income against $32K.
-0.24% return on assets against 0.31%; 3.52% net interest margin against 3.24%.
24.05% CET1 capital ratio against 26.07%; 13.70% tier 1 leverage ratio against 13.44%.
Inside the full Citizens Bank of Chatsworth terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.66% (Q1 2026) to 1.04% (Q3 2024) and its net interest margin ran from 2.94% (Q4 2024) to 4.21% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.05% | -0.24% | 0.31% | 1.50% | 3.52% |
| Q1 2026 | 24.56% | -0.66% | 0.94% | 4.21% | 3.50% |
| Q4 2025 | 24.52% | 0.29% | 1.63% | 7.03% | 3.59% |
| Q3 2025 | 27.05% | -0.10% | 1.81% | 8.78% | 3.41% |
| Q2 2025 | 26.07% | 0.31% | 1.50% | 8.40% | 3.24% |
| Q1 2025 | 24.37% | 0.06% | 0.83% | 4.50% | 3.15% |
| Q4 2024 | 23.32% | -0.03% | 0.66% | 4.16% | 2.94% |
| Q3 2024 | 22.57% | 1.04% | 0.53% | 2.90% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Chatsworth (main office) | Chatsworth , IL | 60921 | $20.3M |
| Normal Branch | Normal , IL | 61761 | $11.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 358 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $4.0M approved, $664K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank of Chatsworth
What are Citizens Bank of Chatsworth's total assets?
As of the Q2 2026 filing, Citizens Bank of Chatsworth reported total assets of $36.2 million in its FFIEC call report.
Where is Citizens Bank of Chatsworth headquartered?
It is headquartered in Chatsworth, IL, United States.
When was Citizens Bank of Chatsworth founded?
It was established in 1903, per the FDIC institution directory.
Is Citizens Bank of Chatsworth FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Chatsworth?
Citizens Bank of Chatsworth's primary federal regulator is the FDIC.
What is Citizens Bank of Chatsworth's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank of Chatsworth operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Chatsworth's Texas Ratio?
Its Texas Ratio is 1.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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