Citizens Bank of Chatsworth: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.8% in Q2 2026 to -$2.1M, the biggest move on this page. Within Illinois, Citizens Bank of Chatsworth is 25th of 198 on CET1 ratio, 24.05% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. Citizens Bank of Chatsworth sits 4.55 points higher, at 24.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.05% |
| Tier 1 risk-based capital ratio | 24.05% |
| Total risk-based capital ratio | 24.88% |
| Tier 1 leverage ratio | 13.70% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $5.5M |
| Tier 1 capital | $5.5M |
| Total risk-based capital | $5.7M |
| Total equity capital | $3.5M |
| Risk-weighted assets | $22.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.63% |
| Tangible equity to tangible assets | 9.30% |
| Equity capital to average assets | 8.65% |
| Internal capital growth rate | -2.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $675K |
| Common stock surplus | $5.9M |
| Retained earnings | -$971K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.79% | 19.79% | 21.05% | 13.90% | $26.3M |
| Q4 2023 | 20.05% | 20.05% | 21.31% | 13.95% | $26.2M |
| Q1 2024 | 20.38% | 20.38% | 21.64% | 13.16% | $25.9M |
| Q2 2024 | 20.63% | 20.63% | 21.89% | 13.34% | $25.7M |
| Q3 2024 | 22.57% | 22.57% | 23.82% | 12.96% | $24.1M |
| Q4 2024 | 23.32% | 23.32% | 24.58% | 13.80% | $23.3M |
| Q1 2025 | 24.37% | 24.37% | 25.63% | 12.61% | $22.4M |
| Q2 2025 | 26.07% | 26.07% | 27.33% | 13.44% | $21.1M |
| Q3 2025 | 27.05% | 27.05% | 28.30% | 14.05% | $20.4M |
| Q4 2025 | 24.52% | 24.52% | 25.77% | 14.15% | $22.7M |
| Q1 2026 | 24.56% | 24.56% | 25.82% | 13.51% | $22.4M |
| Q2 2026 | 24.05% | 24.05% | 24.88% | 13.70% | $22.9M |
Citizens Bank of Chatsworth regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Chatsworth, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank of Chatsworth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10843) · FFIEC NIC profile (RSSD 441135)