FDIC Cert #17281 · Los Angeles, California · Est. 1953

City National Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$98.4B
Total assets
A
Health grade · Excellent
0.95%
Return on assets
16.2%
Tier 1 capital

Data updated July 2026

The verdict

City National Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 16.18% Tier 1, 0.95% ROA, 65% efficiency ratio.

#32
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
16.18%
Tier 1 ratio - above the 10% well-capitalized line
39th
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 17281 · CA A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1721/4307
  • PHOTO-FINISH The Bank of Tioga · ND
  • TIER1-WELL 16.2% Tier 1
  • TEXAS-CLEAN 3.2% Texas
  • ROA-PAR 0.95% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: The Bank of Tioga, ND (±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 City National Bank

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

Morgan Stanley Bank,… · UT ·…100/100Albany Bank and Trus… · IL ·…82/100City National Bank · CA · th…82/100Community Bank & Tru… · TX ·…82/100Dairy State Bank · WI · near82/100The Bank of Tioga · ND · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around City National Bank · July 2026

Call Report read for City National Bank in a high-failure state

City National Bank (FDIC Cert #17281) carries a PlainBankData health grade of A at 82/100, 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 #1,721 of 4,307. Tier 1 capital prints at 16.18%, clearing the 10% well-capitalized line. The Texas Ratio is 3.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.95%. Balance-sheet scale is $98.4B, 32nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of Tioga (ND), 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 City National Bank

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

City National Bank 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 City National Bank'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 City National Bank's 82/100 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 avg77/10082/100
City National Bank's composite health score
Tier 1 Capital Ratio (16.18%) 40/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (3.20%) 20/20
Efficiency Ratio (65.09%) 8/15

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

Balance sheet at a glance

Total Assets

$98.4B

Total balance-sheet footings

Total Deposits

$78.5B

Customer-funded liabilities

Net Loans

$68.2B

Outstanding loan book

Net Income

$903M

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.) 14.78% 16.18% 17.58%
Basel III capital ratios - City National Bank

Where City National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. City National Bank's score of 82/100 falls in the highlighted band.

City National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 40% higher than 60% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. City National 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

City National Bank'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). City National Bank's $98.4B falls in the highlighted band.

Capital & credit buffers at City National Bank

Tier 1 capital ratio
Well-capitalized 10%

16.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.18%
Texas Ratio
3.20%
Equity Capital
$12.4B

What these ratios mean →

Profitability metrics: City National Bank

Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
7.63%
Efficiency Ratio
65.09%

What these mean →

Income & expense at City National Bank

$4.5B
Interest Income
$733M
Non-Interest Income
$2.4B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. City National Bank reports a Texas Ratio of 3.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View City National Bank 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 City National Bank by assets

City National Bank is closely matched in total assets by Western Alliance Bank, Santander Bank, Zions Bancorporation, USAA Federal Savings 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 1.10%, versus City National Bank's own 0.95%; the average efficiency ratio is 64.48%, versus 65.09% here; and average Tier 1 capital sits at 14.50%, versus 16.18% at City National Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $98.4B in assets, City National Bank 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 City National Bank nationally by total assets
  1. 1
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  2. 2
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  3. 3
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

  4. 4
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

  6. 6
    Synchrony Bank $112.1B

    Draper, UT · 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
City National Bank (this bank) CA $98.4B 0.95% 65.09% 16.18%
Western Alliance Bank AZ $92.7B 1.10% 60.19% 11.76%
Santander Bank, N.A. DE $104.1B 1.36% 59.71% 20.74%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%
USAA Federal Savings Bank AZ $108.0B 0.40% 76.02% 16.46%
Flagstar Bank, National Association NY $87.5B -0.14% 93.16% 12.83%
Synchrony Bank UT $112.1B 2.89% 34.85% 13.70%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($98.4B here), outside California so the neighborhood is not state containment.

Western Alliance Bank $92.7B · AZ Santander Bank $104.1B · DE Zions Bancorporation $89.0B · UT USAA Federal Savings Bank $108.0B · AZ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) City National Bank (FDIC Cert #17281) - 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.

City National Bank 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
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%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%