Citizens Bank of Chatsworth: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Chatsworth of Chatsworth, IL against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.24% | 3.13% | -3.37% | 12th bottom |
| ROAE | -2.71% | 10.31% | -13.02% | 11th bottom |
| Net Interest Margin | 3.52% | 3.94% | -0.42% | 32nd below |
| Efficiency Ratio | 101.26% | 76.29% | +24.97% | 12th bottom |
| PPNR / Avg Assets | -0.22% | 1.40% | -1.62% | 10th bottom |
| Yield on Earning Assets | 4.82% | 5.35% | -0.53% | 33rd below |
| Cost of Funds | 1.50% | 1.70% | -0.20% | 52nd above |
| Net Interest Spread | 2.95% | 3.32% | -0.37% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.31% | 1.34% | -1.03% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.15% | 0.71% | -0.56% | 49th below |
| NCO / Avg Loans | 2.41% | 0.10% | +2.31% | 1st bottom |
| ACL / Total Loans | 1.08% | 1.49% | -0.41% | 37th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 354.72% | 865.92% | -511.20% | 72nd above |
| Texas Ratio | 1.50% | 8.27% | -6.77% | 54th above |
| Provision / NCO | 0.00% | 290.68% | -290.68% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 24.05% | 62.25% | -38.20% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 24.05% | 62.25% | -38.20% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.88% | 63.22% | -38.34% | 56th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.70% | 17.65% | -3.95% | 55th above |
| Equity / Assets | 9.63% | 16.45% | -6.82% | 23rd bottom |
| TCE / Tangible Assets | 9.30% | 16.20% | -6.90% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.49% | 72.85% | -18.36% | 67th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.06% | 88.28% | +0.78% | 36th below |
| Wholesale Funding Ratio | 2.24% | 5.19% | -2.95% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.57% | 4.26% | -4.83% | 28th below |
| Loan Growth (Y/Y) | 10.34% | 6.75% | +3.59% | 78th top |
| Deposit Growth (Y/Y) | -2.92% | 3.73% | -6.65% | 21st bottom |
See Citizens Bank of Chatsworth's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of Chatsworth, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank of Chatsworth profile, how to read a UBPR, or how this data updates.