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 0.41% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.57% below tier average
- - Efficiency Ratio 25.93% 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
|
-$23.9M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
20% |
| Total Loans ? |
$16.6M
+1.7% YoY
-0.5% QoQ
|
-$17.7M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
21% |
| Total Deposits ? |
$33.8M
-7.4% YoY
+3.7% QoQ
|
-$18.0M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
23% |
| Return on Assets ? |
-0.72%
-573.8% QoQ
|
-1.57% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 9.1% in tier |
| Net Interest Margin ? |
3.85%
+11.3% YoY
+5.5% QoQ
|
-0.01% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
113.56%
+23.9% YoY
+18.9% QoQ
|
+25.93% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate ? |
0.95%
+12.5% YoY
-42.6% QoQ
|
-0.41% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
48.93%
+9.9% YoY
-4.1% QoQ
|
-15.18% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
-5.9% YoY
-2.3% QoQ
|
-0.85% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.41%
+20.6% YoY
-44.5% QoQ
|
-0.36% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
24.56%
+0.8% YoY
+0.2% QoQ
|
-2.21% |
26.77%
+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
|
-0.63% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% 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.