Citizens Bank of Chatsworth: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 171.81 percentage points higher than in Q1 2026, at 354.72%. On return on assets, Citizens Bank of Chatsworth is 11th from the bottom among 323 Illinois banks, -0.24% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Citizens Bank of Chatsworth reported -0.24% on return on assets in Q2 2026, 1.22 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.05% |
| Tier 1 risk-based capital ratio | 24.05% |
| Total risk-based capital ratio | 24.88% |
| Tier 1 leverage ratio | 13.70% |
| Equity capital to assets | 9.63% |
| Tangible equity to tangible assets | 9.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 2.41% |
| Texas ratio | 1.50% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 354.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.24% |
| Return on equity | -2.71% |
| Net interest margin | 3.52% |
| Efficiency ratio | 101.26% |
| Yield on earning assets | 4.82% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.49% |
| Core deposits to total deposits | 89.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.82% |
| Securities to assets | 35.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.79% | 19.79% | 21.05% | 13.90% | 0.16% |
| Q4 2023 | 20.05% | 20.05% | 21.31% | 13.95% | 0.25% |
| Q1 2024 | 20.38% | 20.38% | 21.64% | 13.16% | 0.13% |
| Q2 2024 | 20.63% | 20.63% | 21.89% | 13.34% | 0.05% |
| Q3 2024 | 22.57% | 22.57% | 23.82% | 12.96% | 1.04% |
| Q4 2024 | 23.32% | 23.32% | 24.58% | 13.80% | -0.03% |
| Q1 2025 | 24.37% | 24.37% | 25.63% | 12.61% | 0.06% |
| Q2 2025 | 26.07% | 26.07% | 27.33% | 13.44% | 0.31% |
| Q3 2025 | 27.05% | 27.05% | 28.30% | 14.05% | -0.10% |
| Q4 2025 | 24.52% | 24.52% | 25.77% | 14.15% | 0.29% |
| Q1 2026 | 24.56% | 24.56% | 25.82% | 13.51% | -0.66% |
| Q2 2026 | 24.05% | 24.05% | 24.88% | 13.70% | -0.24% |
Citizens Bank of Chatsworth vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Chatsworth, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)