Bank Comparison
Citizens Bank of Chatsworth vs State Bank of Nauvoo
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Citizens Bank of Chatsworth | State Bank of Nauvoo |
|---|---|---|
| CET1 Ratio | 24.56% | 15.57% |
| Tier 1 Capital Ratio | 24.56% | 15.57% |
| Total Capital Ratio | 25.82% | 16.47% |
| Tier 1 Leverage Ratio | 13.51% | 8.35% |
| Equity / Assets | 9.40% | 8.42% |
Profitability
| Metric | Citizens Bank of Chatsworth | State Bank of Nauvoo |
|---|---|---|
| Return on Assets (ROA) | -0.66% | 0.29% |
| Return on Equity (ROE) | -7.34% | 3.41% |
| Net Interest Margin (NIM) | 3.50% | 3.80% |
| Yield on Earning Assets | 4.79% | 4.82% |
| Cost of Funds | 1.46% | 1.05% |
Asset quality
| Metric | Citizens Bank of Chatsworth | State Bank of Nauvoo |
|---|---|---|
| Texas Ratio | 4.21% | 23.10% |
| Non-Performing Loan Ratio | 0.94% | 2.35% |
| Non-Performing Asset Ratio | 0.41% | 2.05% |
| Net Charge-Off Ratio | 0.29% | 0.11% |
| ACL / Loans | 1.72% | 0.90% |
Balance sheet
| Metric | Citizens Bank of Chatsworth | State Bank of Nauvoo |
|---|---|---|
| Total Assets | $38,414K | $37,802K |
| Total Deposits | $33,837K | $34,567K |
| Total Loans | $16,845K | $18,570K |
| Total Equity | $3,609K | $3,183K |
| Net Income (quarter) | $-68 | $27 |
Liquidity & funding
| Metric | Citizens Bank of Chatsworth | State Bank of Nauvoo |
|---|---|---|
| Loan-to-Deposit Ratio | 49.78% | 53.72% |
| Core Deposit Ratio | 90.54% | 97.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank of Chatsworth | State Bank of Nauvoo |
|---|---|---|
| Headquarters City | CHATSWORTH | NAUVOO |
| Headquarters State | IL | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 10 | 7 |
| Established | Dec. 7, 1903, midnight | Jan. 17, 1893, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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