BlastPoint's Banking Scorecard
Citizens Bank of Chatsworth
Micro
Specialty: Commercial
IL
FDIC cert 10843
Designations: ✓ Community bank
Chatsworth, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Citizens Bank of Chatsworth has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.67% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Efficiency Ratio 27.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.4M
-7.1% YoY
+1.2% QoQ
|
-$180.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$16.6M
-3.8% YoY
+10.0% QoQ
|
-$122.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$32.6M
-10.7% YoY
-0.8% QoQ
|
-$151.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.15%
-50.6% YoY
+50.9% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.65%
-2.2% YoY
+1.9% QoQ
|
-0.20% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
95.48%
+11.3% YoY
-3.4% QoQ
|
+27.75% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.66%
+146.0% YoY
-9.8% QoQ
|
+1.02% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
51.02%
+7.8% YoY
+10.9% QoQ
|
-23.51% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.47%
+10.7% YoY
+2.5% QoQ
|
+1.08% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.74%
+154.9% YoY
-1.9% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
24.52%
+5.1% YoY
-9.3% QoQ
|
+15.67% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.24%
+15.4% YoY
+25.6% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.52%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
95.48%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 24.52% · Tier avg: 8.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.02% · Tier avg: 74.53%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 22.39%
42
42th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.66% · Tier avg: 0.64%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 95.48% · Tier avg: 67.73%
5
5th pctile
Total Loans
Current: $16.6M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $32.6M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $37.4M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $37.4M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $32.6M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $16.6M · Tier avg: $139.2M
6
6th pctile
Efficiency Ratio
Current: 95.48% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
17
17th pctile
Delinquency Rate
Current: 1.66% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
42
42th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 22.39%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.02% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.52% · Tier avg: 8.85%