Citizens Bank of Chatsworth: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.42 percentage points higher than in Q1 2026, at 82.01%. Citizens Bank of Chatsworth ranks 263rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 54.49% (Q2 2026). Citizens Bank of Chatsworth reported 54.49% on loan-to-deposit ratio for Q2 2026, 13.43 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.3M |
| Net loans and leases | $17.1M |
| Loans held for sale | $0 |
| Loans to total assets | 47.86% |
| Loan-to-deposit ratio | 54.49% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.84% |
| Multifamily (5+ residential) | 2.83% |
| Commercial and industrial | 13.58% |
| Consumer | 1.69% |
| Credit cards | 0.00% |
| Farm | 5.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.01% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.28% |
| Interest income on loans | $305K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $20.1M | $29.9M | 50.74% | 29.84% | 2.82% |
| Q4 2023 | $20.8M | $30.6M | 52.83% | 25.78% | 4.24% |
| Q1 2024 | $20.2M | $33.1M | 54.70% | 25.19% | 2.25% |
| Q2 2024 | $21.4M | $33.1M | 58.56% | 22.95% | 2.21% |
| Q3 2024 | $18.6M | $35.1M | 61.32% | 19.33% | 2.42% |
| Q4 2024 | $17.7M | $36.5M | 62.03% | 18.77% | 2.16% |
| Q1 2025 | $16.7M | $36.5M | 62.44% | 18.23% | 1.88% |
| Q2 2025 | $15.7M | $32.8M | 63.76% | 18.40% | 1.78% |
| Q3 2025 | $15.4M | $32.9M | 61.74% | 17.22% | 2.44% |
| Q4 2025 | $16.9M | $32.6M | 61.75% | 14.76% | 2.47% |
| Q1 2026 | $16.8M | $33.8M | 61.35% | 13.81% | 1.99% |
| Q2 2026 | $17.3M | $31.8M | 65.84% | 13.58% | 1.69% |
Citizens Bank of Chatsworth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Chatsworth, freeSource: Call Report Schedule RC-C, 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)