FDIC Cert #21716 · Ontario, California · Est. 1974

Citizens Business Bank, National Association - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$15.6B
Total assets
A
Health grade · Excellent
1.39%
Return on assets
15.7%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Business Bank, National Association earns a PlainBankData health grade of A (95/100), with well-capitalized at 15.66% Tier 1, profitable at 1.39% ROA, efficient (42% cost ratio).

#122
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
15.66%
Tier 1 ratio - above the 10% well-capitalized line
69th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 21716 · CA A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #316/4307
  • PHOTO-FINISH Premier Bank · MN
  • TIER1-WELL 15.7% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 1.39% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Premier 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 Business Bank

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Business Ba… · CA ·…95/100Crossroads Bank · IL · near95/100Main Bank · NM · near95/100Premier Bank · MN · near95/100The Bank of Greene C… · NY ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Business Bank · July 2026

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

Citizens Business Bank, National Association (FDIC Cert #21716) carries a PlainBankData health grade of A at 95/100, 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 #316 of 4,307. Tier 1 capital prints at 15.66%, clearing the 10% well-capitalized line. The Texas Ratio is 0.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.39%. Balance-sheet scale is $15.6B, 122nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Premier 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 Business Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Citizens Business Bank, National Association sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Citizens Business Bank, National Association's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

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

How Citizens Business Bank, National Association's 95/100 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 avg77/10095/100
Citizens Business Bank, National Association's composite health score
Tier 1 Capital Ratio (15.66%) 40/40
Return on Assets (ROA) (1.39%) 20/25
Texas Ratio (0.20%) 20/20
Efficiency Ratio (42.42%) 15/15

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

Balance sheet at a glance

Total Assets

$15.6B

Total balance-sheet footings

Total Deposits

$12.1B

Customer-funded liabilities

Net Loans

$8.6B

Outstanding loan book

Net Income

$215M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.26% 15.66% 17.06%
Basel III capital ratios - Citizens Business Bank, National Association

Where Citizens Business Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Business Bank, National Association's score of 95/100 falls in the highlighted band.

Citizens Business Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Citizens Business Bank 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 Business Bank, National Association'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 Business Bank, National Association's $15.6B falls in the highlighted band.

Capital & credit buffers at Citizens Business Bank

Tier 1 capital ratio
Well-capitalized 10%

15.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.66%
Texas Ratio
0.20%
Equity Capital
$2.3B

What these ratios mean →

Earnings posture at Citizens Business Bank

Return on Assets (ROA)
69th percentile nationally
1.39%
Return on Equity (ROE)
9.65%
Efficiency Ratio
42.42%

What these mean →

Income & expense at Citizens Business Bank

$592M
Interest Income
$66M
Non-Interest Income
$227M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Business Bank, National Association reports a Texas Ratio of 0.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Business Bank, National Association on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

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

National size peers: banks closest to Citizens Business Bank, National Association by assets

Citizens Business Bank, National Association is closely matched in total assets by Bank of America California, Toyota Financial Savings Bank, NBT Bank, First Financial Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.74%, versus Citizens Business Bank, National Association's own 1.39%; the average efficiency ratio is 47.52%, versus 42.42% here; and average Tier 1 capital sits at 16.18%, versus 15.66% at Citizens Business Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $15.6B in assets, Citizens Business Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Citizens Business Bank, National Association nationally by total assets
  1. 1
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  2. 2
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  3. 3
    NBT Bank $15.9B

    Norwich, NY · Grade B

  4. 4
    First Financial Bank $15.4B

    Abilene, TX · Grade A

  5. 5
    Bank of Baroda $15.9B

    New York, NY · Grade F

  6. 6
    Dime Community Bank $15.3B

    Hauppauge, NY · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Citizens Business Bank, National Association (this bank) CA $15.6B 1.39% 42.42% 15.66%
Bank of America California, National Association CA $15.5B 0.54% 52.30% 36.85%
Toyota Financial Savings Bank NV $15.4B 0.30% 73.28% 15.74%
NBT Bank, National Association NY $15.9B 1.06% 60.43% 11.92%
First Financial Bank TX $15.4B 1.64% 45.67% 18.18%
Bank of Baroda NY $15.9B 0.00% 0.00% 0.00%
Dime Community Bank NY $15.3B 0.87% 53.42% 14.40%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.6B here), outside California so the neighborhood is not state containment.

Toyota Financial Savings Bank $15.4B · NV NBT Bank $15.9B · NY First Financial Bank $15.4B · TX Bank of Baroda $15.9B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Business Bank, National Association (FDIC Cert #21716) - 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 Business Bank, National Association Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%