Citizens Bank of Chatsworth (FDIC certificate #10843) is based in Chatsworth, Illinois. Its Q2 2026 call report shows $36.2M in total assets and $31.8M in deposits and 2 offices.
Based on its Q2 2026 filing, Citizens Bank of Chatsworth scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 136th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 10% uninsured), and its lowest is earnings (0/100; -0.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (67 → 73), mostly because the loan quality component improved by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 70 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 68 |
| Q1 2026 | 67 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.34% |
| Q3 2024 | 12.96% |
| Q4 2024 | 13.80% |
| Q1 2025 | 12.61% |
| Q2 2025 | 13.44% |
| Q3 2025 | 14.05% |
| Q4 2025 | 14.15% |
| Q1 2026 | 13.51% |
| Q2 2026 | 13.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.71% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.83% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.63% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.15% |
| Q1 2026 | -0.72% |
| Q2 2026 | -0.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $36.2M | 13.70% | 0.31% | -0.49% | 53.9% |
| Q1 2026 | 67 | $38.4M | 13.51% | 0.94% | -0.72% | 48.9% |
| Q4 2025 | 68 | $37.4M | 14.15% | 1.63% | 0.15% | 51.0% |
| Q3 2025 | 65 | $36.9M | 14.05% | 1.81% | 0.10% | 46.0% |
| Q2 2025 | 67 | $36.4M | 13.44% | 1.50% | 0.20% | 47.0% |
| Q1 2025 | 70 | $40.5M | 12.61% | 0.83% | 0.07% | 44.5% |
| Q4 2024 | 77 | $40.3M | 13.80% | 0.66% | 0.31% | 47.3% |
| Q3 2024 | 76 | $42.5M | 12.96% | 0.53% | 0.42% | 51.9% |
| Q2 2024 | 48 | $39.8M | 13.34% | 4.71% | 0.09% | 62.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of NauvooBank Nauvoo, IL | 36 out of 100, Low | $37.7M | 8.3% | 3.71% | vs |
| The First State Bank of DongolaBank Dongola, IL | 73 out of 100, Strong | $34.7M | 9.8% | 0.26% | vs |
| Farmers State Bank of EmdenBank Emden, IL | 91 out of 100, Very strong | $37.8M | 29.6% | 0.00% | vs |
| First State Bank of Van OrinBank Van Orin, IL | 53 out of 100, Below average | $40.0M | 12.4% | 4.54% | vs |
| Fairview State Banking CompanyBank Fairview, IL | 83 out of 100, Strong | $40.9M | 14.3% | 0.61% | vs |
| Vermont State BankBank Vermont, IL | 73 out of 100, Strong | $31.0M | 28.2% | 5.08% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Chatsworth?
Yes. Citizens Bank of Chatsworth is an FDIC-insured institution (FDIC certificate #10843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.5% of deposits ($3.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.88% (benchmark: 10%).
2 locations
Branches
Citizens Bank of Chatsworth lists 2 offices in 2 cities. Most locations:
- Chatsworth, IL (1)
- Normal, IL (1)
Identity & history
Profile
- Legal name
- Citizens Bank of Chatsworth
- Type
- State-chartered bank
- FDIC certificate #
- 10843
- RSSD ID
- 441135
- Primary regulator
- FDIC
- Holding company
- Cbc Financial Inc
- Established
- December 7, 1903
- Headquarters
- 502 E Locust St, Chatsworth, IL 60921
- Website
- www.bankatcbc.com
- Employees
- 8
Quick answers
Citizens Bank of Chatsworth: common questions
Is Citizens Bank of Chatsworth FDIC insured?
Yes. Citizens Bank of Chatsworth is an FDIC-insured institution (FDIC certificate #10843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Chatsworth's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Chatsworth ever failed?
There is no failure record for FDIC certificate #10843 in the FDIC failed bank list.
How many branches does Citizens Bank of Chatsworth have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chatsworth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
| Anchor State BankBank Anchor, IL | 84 out of 100, Strong | $73.5M | 12.6% | 0.00% | vs |
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| Peoples State Bank of ColfaxBank Colfax, IL | 84 out of 100, Strong | $49.5M | 11.7% | 0.00% | vs |