Citizens Bank of Chatsworth: how it compares with its peers
Against 36 IL banks with half to twice its assets, Citizens Bank of Chatsworth's strongest measure in Q2 2026 is net interest margin (3.90% vs. a 3.79% peer median). Its weakest relative measure is return on assets (-0.49% vs. 0.88%).
| Measure | Citizens Bank of Chatsworth | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.49% | 0.88% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.79% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 107.49% | 79.44% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $5.5M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.90% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 107.49% is above the 79.44% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Bank of Nauvoo Nauvoo, IL · $38M
- The First State Bank of Dongola Dongola, IL · $35M
- Farmers State Bank of Emden Emden, IL · $38M
- First State Bank of Van Orin Van Orin, IL · $40M
- Fairview State Banking Company Fairview, IL · $41M
- Vermont State Bank Vermont, IL · $31M
Questions about Citizens Bank of Chatsworth
How big is Citizens Bank of Chatsworth?
Citizens Bank of Chatsworth, established in 1903, is headquartered in Chatsworth, IL. It reported $36M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens Bank of Chatsworth's return on assets?
-0.49% annualized in Q2 2026, against a 0.88% median for 36 IL banks with half to twice its assets, ahead of 6% of them.
What is Citizens Bank of Chatsworth's efficiency ratio?
107.49% in Q2 2026: it spent about 107 cents in noninterest expense for each dollar of revenue. The peer median is 79.44%, and lower is better.
Is Citizens Bank of Chatsworth growing its loans?
Net loans grew 11.3% over the year to Q2 2026, while deposits shrank 2.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.