BlastPoint's Banking Scorecard
Citizens Bank of Chatsworth
Designations: ✓ Community bank ✓ Minority Depository Institution
Chatsworth, IL
2 branches across IL
Citizens Bank of Chatsworth has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.55% below tier average
- - Efficiency Ratio 25.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.4M
-5.0% YoY
+2.7% QoQ
|
-$23.7M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$16.6M
+1.7% YoY
-0.5% QoQ
|
-$17.7M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$33.8M
-7.4% YoY
+3.7% QoQ
|
-$17.9M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
-0.72%
-573.8% QoQ
|
-1.55% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.4% in tier |
| Net Interest Margin ? |
3.85%
+11.3% YoY
+5.5% QoQ
|
-0.01% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
113.56%
+23.9% YoY
+18.9% QoQ
|
+25.22% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate ? |
0.95%
+12.5% YoY
-42.6% QoQ
|
-0.42% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
48.93%
+9.9% YoY
-4.1% QoQ
|
-15.29% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
-5.9% YoY
-2.3% QoQ
|
-0.77% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.41%
+20.6% YoY
-44.5% QoQ
|
-0.38% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
24.56%
+0.8% YoY
+0.2% QoQ
|
-2.12% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.04%
-5.8% YoY
-81.4% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.