FDIC Cert #10843 · Chatsworth, Illinois · Est. 1903

Citizens Bank of Chatsworth - FDIC Bank Health Profile

A community-scale look at Citizens Bank of Chatsworth's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$37M
Total assets
C
Health grade · Fair
0.15%
Return on assets
24.5%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank of Chatsworth earns a PlainBankData health grade of C (63/100), with well-capitalized at 24.52% Tier 1, 0.15% ROA, 95% efficiency ratio.

#4,202
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
24.52%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10843 · IL C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3596/4307
  • PHOTO-FINISH Randall State Bank · MN
  • TIER1-WELL 24.5% Tier 1
  • TEXAS-CLEAN 6.8% Texas
  • ROA-THIN 0.15% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Randall State Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank of Chatsworth

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Milton · WI · near63/100Citizens Bank of Cha… · IL ·…63/100Grand Missouri Bank · MO · n…63/100Park Bank, National… · WI · …63/100Randall State Bank · MN · ne…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank of Chatsworth · July 2026

Call Report read for Citizens Bank of Chatsworth in a high-failure state

Citizens Bank of Chatsworth (FDIC Cert #10843) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,596 of 4,307. Tier 1 capital prints at 24.52%, clearing the 10% well-capitalized line. The Texas Ratio is 6.75%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.15%. Balance-sheet scale is $37M, 4,202nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Randall State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank of Chatsworth

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Citizens Bank of Chatsworth sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Citizens Bank of Chatsworth's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Citizens Bank of Chatsworth's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Citizens Bank of Chatsworth's composite health score
Tier 1 Capital Ratio (24.52%) 40/40
Return on Assets (ROA) (0.15%) 7/25
Texas Ratio (6.75%) 16/20
Efficiency Ratio (95.48%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$37M

Total balance-sheet footings

Total Deposits

$33M

Customer-funded liabilities

Net Loans

$17M

Outstanding loan book

Net Income

$58K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 23.12% 24.52% 25.92%
Basel III capital ratios - Citizens Bank of Chatsworth

Where Citizens Bank of Chatsworth ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of Chatsworth's score of 63/100 falls in the highlighted band.

Citizens Bank of Chatsworth: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank of Chatsworth 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank of Chatsworth's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank of Chatsworth's $37M falls in the highlighted band.

Capital & credit buffers at Citizens Bank of Chatsworth

Tier 1 capital ratio
Well-capitalized 10%

24.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
24.52%
Texas Ratio
6.75%
Equity Capital
$4M

What these ratios mean →

Profitability metrics: Citizens Bank of Chatsworth

Return on Assets (ROA)
7th percentile nationally
0.15%
Return on Equity (ROE)
1.92%
Efficiency Ratio
95.48%

What these mean →

Income & expense at Citizens Bank of Chatsworth

$2M
Interest Income
$89K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of Chatsworth reports a Texas Ratio of 6.75% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.75% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank of Chatsworth on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($37M here), outside Illinois so the neighborhood is not state containment.

Mutual Savings and Loan Association $37M · LA Kingstree Federal Savings and Loan As… $37M · SC Corn Growers State Bank $37M · NE Bank of Mead $38M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank of Chatsworth (FDIC Cert #10843) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank of Chatsworth Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%