CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION

ONTARIO, CA | Regional | Est. Aug. 9, 1974, midnight | FDIC #21716 | RSSD #933966 | OCC
Latest Report: 2025-12-31

CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION is arn regional FDIC-insured commercial bank headquartered in ONTARIO, CA, established in Aug. 9, 1974, midnight. As of 2025-12-31, the bank reported total assets of $15.6B and total deposits of $12.1B. Profitability stands at 1.44% ROA and 9.95% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 15.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.21%. FDIC Certificate #21716.

Assets

$15.6B

Deposits

$12.1B

Loans

$8.7B

Equity

$2.3B

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 9.95%
Net Interest Margin (NIM) 3.41%
Yield on Assets 4.33%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.21%
NPA Ratio 0.03%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 15.66%
Tier 1 Capital 15.66%
Total Capital Ratio 16.44%
Leverage Ratio 11.46%
Loan-to-Deposit 71.73%

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