Citizens Business Bank, N.A.
BankRegReports is independent of Citizens Business Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Business Bank, N.A. is an FDIC-insured commercial bank headquartered in Ontario, CA, established in 1974 (FDIC certificate 21716), and it is supervised by the OCC. At Q2 2026 it reported total assets of $21.18B, up 37.4% from Q2 2025, the 7th largest of 113 banks headquartered in California. Its CET1 capital ratio was 14.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 21716
- Headquarters
- Ontario, CA
- Established
- 1974
- Total assets, Q2 2026
- $21.18B
- Assets vs Q2 2025
- +37.4%
- CET1 ratio, Q2 2026
- 14.33%
- Domestic offices
- 87 FDIC institution directory, current count
- Routing number
- 122234149
- Latest call report
- Q2 2026, FFIEC 041 · Citizens Business Bank, N.A. call report
- Holding company
- CVB FINANCIAL CORP.
- Asset rank in state
- 7th of 113 in California
Citizens Business Bank, N.A. is growing quickly. Based in Ontario, California, it had $21.2 billion in assets at June 30, 2026, up 37.4% from a year earlier. It pays an average of 0.97% on its deposits and borrowings, about half the median of 1.92% for the 127 banks with $10 billion to $100 billion in assets. It also carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 4.2% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $671 million equal 31% of Tier 1 capital, down from 43% a year earlier. Loans are outrunning deposits: over the year loans rose 43.8% and deposits rose 36.3%. Profitability lags: it returns 7.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 11.1%).
As of June 30, 2026, Citizens Business Bank, N.A. reported a CET1 capital ratio of 14.33%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Citizens Business Bank, N.A. is the 7th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 36.6% to $21.18B, loans rose 39.0% and deposits rose 36.7%. Non-owner-occupied commercial real estate loans made up 40.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.5%. The FDIC Summary of Deposits lists 83 offices for it, in 73 cities in CA; its Pasadena office books 11% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Business Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 701 N Haven Ave, Ontario, CA 91764
- County
- San Bernardino
- Metro Area
- Riverside-San Bernardino-Ontario, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 9, 1974
- Former names
- Citizens Business Bank (2014-2025); Chino Valley Bank (1977-1996)
- Domestic offices
- 87 FDIC institution directory, current count
- Employees (FTE)
- 1,211
- Domestic deposits
- $16.41B
- Allowance for credit losses
- $126.7M
- Net charge-offs (YTD)
- $128K
- Average total assets
- $20.09B
- Average total loans
- $11.49B
- Average interest-bearing deposits
- $7.20B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1974
- FDIC Cert
- 21716
- Fed RSSD
- 933966
- SEC CIK
- 354647 → filed by CVB FINANCIAL CORP.
- Website
- http://www.cbbank.com →
- Parent Holding Company
- CVB FINANCIAL CORP. (RSSD 1029222) · CVBF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David A. Brager | CEO | President & CEO |
| Jones Robertson Clay Jr | PRES | President |
| Nicholson E Allen | CFO | EVP & CFO |
| David C Harvey | COO | EVP Chief Operating Officer |
| Richard H Wohl | GC | EVP & General Counsel |
| Yamynn Deangelis | CRO | EVP Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Business Bank, N.A.'s total assets ran between $15.16B (Q4 2024) and $21.18B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$21.18B total assets against $15.42B; $18.07B total liabilities against $13.20B.
$11.89B net loans and leases against $8.28B; $16.41B total deposits against $12.04B.
$5.69B securities against $4.83B; $1.11B cash and balances due against $749.6M.
$201.9M total interest income against $143.8M; $38.8M total interest expense against $32.2M.
$163.0M net interest income against $111.6M.
$17.1M total noninterest income against $14.7M; $106.8M total noninterest expense against $55.5M.
$4.2M provision for credit losses against $0.
$51.0M net income against $51.9M.
1.01% return on assets against 1.34%; 3.67% net interest margin against 3.22%.
14.33% CET1 capital ratio against 16.30%; 11.41% tier 1 leverage ratio against 11.69%.
Inside the full Citizens Business Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Citizens Business Bank, N.A. rankings
Its closest position to the top of a national ranking is 101 of 4,196, for total assets; its furthest is 2,790 of 3,640, for Texas Ratio.
Metric pages for Citizens Business Bank, N.A.: Uninsured deposits.
Banks merged into Citizens Business Bank, N.A.
- Heritage Bank of Commerce, effective April 18, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q2 2026) to 1.42% (Q4 2025) and its net interest margin ran from 2.98% (Q3 2024) to 3.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.33% | 1.01% | 0.14% | 0.81% | 3.67% |
| Q1 2026 | 16.06% | 1.32% | 0.07% | 0.37% | 3.35% |
| Q4 2025 | 15.66% | 1.42% | 0.05% | 0.31% | 3.44% |
| Q3 2025 | 16.14% | 1.37% | 0.33% | 1.78% | 3.27% |
| Q2 2025 | 16.30% | 1.34% | 0.31% | 1.68% | 3.22% |
| Q1 2025 | 16.36% | 1.36% | 0.31% | 1.67% | 3.18% |
| Q4 2024 | 16.01% | 1.32% | 0.33% | 3.13% | 3.10% |
| Q3 2024 | 15.60% | 1.25% | 0.26% | 1.51% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 83 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pasadena Branch | Pasadena , CA | 91106 | $1.80B |
| Heritage Bank of Commerce Branch | San Jose , CA | 95110 | $1.48B |
| Danville Branch | Danville , CA | 94526 | $764.4M |
| Tri City Branch | San Bernardino , CA | 92408 | $588.8M |
| Citizens Business Bank, N.A. (main office) | Ontario , CA | 91764 | $585.6M |
| Chino Branch | Chino , CA | 91710 | $582.8M |
| Visalia Main Branch | Visalia , CA | 93291 | $438.5M |
| Palo Alto Branch | Palo Alto , CA | 94301 | $391.6M |
| Plaza Branch | Orange , CA | 92866 | $372.7M |
| South Bay Commercial Banking Center | Torrance , CA | 90502 | $363.6M |
| Walnut Creek Office Branch | Walnut Creek , CA | 94596 | $340.0M |
| Burbank Airport Branch | Burbank , CA | 91505 | $329.9M |
| Fresno Business Financial Center | Fresno , CA | 93720 | $297.7M |
| Upland Branch | Upland , CA | 91786 | $282.8M |
| Brea Branch | Brea , CA | 92821 | $276.0M |
| San Mateo Branch | San Mateo , CA | 94402 | $245.7M |
| San Rafael Branch | San Rafael , CA | 94901 | $230.0M |
| Covina Branch | Covina , CA | 91724 | $217.9M |
| San Francisco Branch | San Francisco , CA | 94111 | $209.8M |
| Los Altos Branch | Los Altos , CA | 94022 | $207.0M |
| Pleasanton Office | Pleasanton , CA | 94566 | $205.9M |
| Apple Valley Branch | Apple Valley , CA | 92308 | $204.6M |
| San Fernando Valley Branch | Encino , CA | 91436 | $202.5M |
| Riverside Branch | Riverside , CA | 92501 | $197.5M |
| Katella Branch | Orange , CA | 92867 | $195.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 18, 2026 | Structure Change | Acquired Heritage Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2026 | M&A | Acquired Heritage Bank of Commerce merger for the acquired bank | SEC |
| April 17, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 8, 2022 | M&A | Acquired Suncrest Bank merger for the acquired bank | SEC |
| January 8, 2022 | Structure Change | Acquired Suncrest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 2018 | M&A | Acquired Community Bank merger for the acquired bank | SEC |
| August 11, 2018 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 2017 | M&A | Acquired Valley Business Bank merger for the acquired bank | SEC |
| March 11, 2017 | Structure Change | Acquired Valley Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | M&A | Acquired County Commerce Bank merger for the acquired bank | SEC |
| March 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | Structure Change | Acquired County Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2014 | Structure Change | Acquired American Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2014 | M&A | Acquired American Security Bank merger for the acquired bank | SEC |
| May 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2009 | Structure Change | Acquired San Joaquin Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 17, 2009 | M&A | Acquired San Joaquin Bank failure_government_assistance_provided for the acquired bank | SEC |
| October 16, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 23, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 2007 | Structure Change | Acquired First Coastal Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2007 | M&A | Acquired First Coastal Bank, National Association merger for the acquired bank | SEC |
| March 31, 2006 | M&A | Acquired Golden West Enterprises, Inc. merger for the acquired bank | SEC |
| March 31, 2006 | Structure Change | Acquired Golden West Enterprises, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2005 | Structure Change | Acquired Granite State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2005 | M&A | Acquired Granite State Bank merger for the acquired bank | SEC |
| September 20, 2003 | M&A | Acquired Kaweah National Bank merger for the acquired bank | SEC |
| September 20, 2003 | Structure Change | Acquired Kaweah National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 29, 2002 | M&A | Acquired Western Security Acceptance Corporation merger for the acquired bank | SEC |
| June 29, 2002 | Structure Change | Acquired Western Security Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 1999 | Structure Change | Acquired Orange National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 1999 | M&A | Acquired Orange National Bank merger for the acquired bank | SEC |
| March 30, 1996 | Structure Change | Acquired Citizens Commercial Trust and Savings Bank of Pasadena Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 1996 | M&A | Acquired Citizens Commercial Trust and Savings Bank of Pasadena merger for the acquired bank | SEC |
| March 29, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1994 | M&A | Acquired Pioneer Bank failure_government_assistance_provided for the acquired bank | SEC |
| July 9, 1994 | Structure Change | Acquired Pioneer Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 8, 1994 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 25, 1994 | M&A | Acquired Western Industrial National Bank merger for the acquired bank | SEC |
| June 25, 1994 | Structure Change | Acquired Western Industrial National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in CA, rank 15 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 76 loans originated, $182.6M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $9.2M approved, $575K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 10 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Business Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens Business Bank, N.A.
What are Citizens Business Bank, N.A.'s total assets?
As of the Q2 2026 filing, Citizens Business Bank, N.A. reported total assets of $21.18 billion in its FFIEC call report.
Where is Citizens Business Bank, N.A. headquartered?
It is headquartered in Ontario, CA, United States.
When was Citizens Business Bank, N.A. founded?
It was established in 1974, per the FDIC institution directory.
Is Citizens Business Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Business Bank, N.A.?
Citizens Business Bank, N.A.'s primary federal regulator is the OCC.
What is Citizens Business Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Business Bank, N.A. operate?
It operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Business Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens Business Bank, N.A. previously called?
The charter now named Citizens Business Bank, N.A. has also operated as Citizens Business Bank (2014-2025), Chino Valley Bank (1977-1996), per FDIC structure-change records.
Go deeper on Citizens Business Bank, N.A.
Get an email when Citizens Business Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Business Bank, N.A., freeFree account