# CITIZENS BANK OF CHATSWORTH
CHATSWORTH, IL · FDIC certificate 10843 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $36.2M | |
| Deposits | $31.8M | |
| Loans and leases | $17.3M | |
| Total equity | $3.5M | |
| Loans / deposits | 53.90% (p23 of band) | 73.59% |
| Liquid assets / assets | 45.47% (p72 of band) | |
| Uninsured deposits / deposits | 10.48% (p16 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.24% (p60 of band) | |
| FHLB advances / assets | 2.24% | |
| Tier 1 leverage | 13.70% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -77.98% (p2 of band) | -6.57% |
| AOCI / equity | -6.31% (p1 of band) | |
| ROA (annualized) | -0.49% (p4 of band) | 1.17% |
| Net interest margin | 3.90% (p49 of band) | 3.93% |
| Efficiency ratio | 107.49% (p95 of band) | |
| Noncurrent loans | 0.31% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.61% (p98 of band) | |
| Reserve coverage of noncurrent | 354.72% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $128,000 (0.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2012-03 | 3 | capital falling, expense ratio p90 |  |
| 2012-06 | 1 |  | losing money, expense ratio p90 |
| 2012-09 | 5 | losing money, expense ratio p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-12 | 4 | leverage <7% | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 5 | reserve under noncurrent |  |
| 2013-06 | 6 | deposits shrinking, assets shrinking | capital falling |
| 2013-09 | 5 |  | reserve under noncurrent |
| 2013-12 | 5 | uninsured deposits leaving | leverage <7% |
| 2014-03 | 5 | leverage <7% | uninsured deposits leaving |
| 2014-06 | 5 | uninsured deposits leaving | leverage <7% |
| 2014-09 | 4 |  | uninsured deposits leaving |
| 2014-12 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-03 | 8 | leverage <7%, capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 5 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2015-09 | 5 |  |  |
| 2015-12 | 7 | deposits shrinking, assets shrinking |  |
| 2016-03 | 8 | charge-offs p90 |  |
| 2016-06 | 6 |  | deposits shrinking, assets shrinking |
| 2016-09 | 5 |  | capital falling |
| 2016-12 | 5 |  |  |
| 2017-03 | 7 | capital falling, noncurrent p90, assets shrinking | charge-offs p90 |
| 2017-06 | 6 | deposits shrinking | capital falling, noncurrent p90 |
| 2017-09 | 6 |  |  |
| 2017-12 | 8 | capital falling, noncurrent p90 |  |
| 2018-03 | 9 | charge-offs p90 |  |
| 2018-06 | 11 | leverage <5%, uninsured deposits leaving | charge-offs p90 |
| 2018-09 | 4 | NIM <2.5% | losing money, expense ratio p90, leverage <7%, assets shrinking, capital falling, noncurrent p90, leverage <5% |
| 2018-12 | 5 | losing money, noncurrent p90 | deposits shrinking |
| 2019-03 | 7 | capital falling, expense ratio p90, deposits shrinking | NIM <2.5% |
| 2019-06 | 5 |  | uninsured deposits leaving, capital falling |
| 2019-09 | 5 | charge-offs p90 | deposits shrinking |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | capital falling | charge-offs p90 |
| 2020-06 | 7 | wholesale funding >15%, charge-offs p90 |  |
| 2020-09 | 8 | uninsured deposits leaving |  |
| 2020-12 | 7 |  | wholesale funding >15% |
| 2021-03 | 3 |  | reserve under noncurrent, noncurrent p90, charge-offs p90, uninsured deposits leaving |
| 2021-06 | 3 | assets shrinking | capital falling |
| 2021-09 | 4 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2021-12 | 0 |  | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2023-09 | 4 | AOCI drag >20% of equity | assets shrinking, noncurrent p90 |
| 2023-12 | 5 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2024-03 | 5 |  |  |
| 2024-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 3 | expense ratio p90, assets shrinking |  |
| 2025-09 | 4 | deposits shrinking |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 6 | losing money, charge-offs p90 |  |
| 2026-06 | 4 |  | assets shrinking, deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-05-01 [Obituary information for Betsy Birckelbaw - Kibler-Brady-Ruestman Memorial Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxPOGJUX2ZuaW9PejZ6XzgtRWs0dEVtQ2hsaWVHR0s1OGZ4Z21kejJBMmtjbndOZDVXaTNZSjMyUHgtZnV6REJnNV9CcXNIWHRmSVd0R2dqckdSeDlBV3JyM0VremxNdG5Wak1taEQ0Q3RUdnNZUHU5ZHY2bVBxcGRKUU5MSQ?oc=5) · Kibler-Brady-Ruestman Memorial Home
- 2020-02-24 [Blumenshine's Own Financial Problems Shape His Views In Campaign - WGLT](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQUXdPWmoxYjRUT3hqOXpHeTdUdXV5RTlvV1dSMGd5SkVTTVB0UFRfV1huMVg4ajA0TEN3c1d6bmJuRk42dEprZXIwNS1XLTVva1k3aDVIZEV1WlZGUF92X004b2ZPRDAyUktmTjEyTXJiVzN2a0RfdUItcnotSEYzOVpHN3hSTF9JMTNUWXdxVW5Oc0E5SnpGMXVaNUVYV29OVjJFamFaV0NKbXVQcEVwTUVLYl9kWFpkQl93?oc=5) · WGLT
- 2024-06-14 [James Herr Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMiakFVX3lxTE13OFhzeVV3V1dmRVZhbGhodUo5dExSRDNsLW95Vk1mdC0xdjFfQTl5M1dlU29YS0NpT0pSc3J2WUlkLTE2cmJONTlWQmMwWmhWX2w3YjZvSzI2SURTN2l2LThiY044VmI5bWc?oc=5) · Chicago Tribune
- 2022-05-22 [Marilyn Fields Obituary (2022) - Bloomington, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQ3BPTUhiWW5DaG82VVkyMGJRcXZYX1hzaGVVLXBzVm5jZTUzRGp3bW1kcF9FUnFJMGlsWTRLQWprYld2YmJ3LUlMd2dManBYM0tNbmVWMllPTFFiSmgwNVYzNVpaLWxsLUxxUU15XzFNMGFJYmdRak9wbEpkcE4xODdaa2JETGVqQk5zcENsNmlhdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10843 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "10843", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide