Citizens Business Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Business Bank, N.A. of Ontario, CA against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.01% | 1.39% | -0.38% | 25th below |
| ROAE | 7.54% | 12.27% | -4.73% | 18th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.67% | 3.82% | -0.15% | 54th above |
| Efficiency Ratio | 57.08% | 54.22% | +2.86% | 35th below |
| PPNR / Avg Assets | 1.46% | 2.05% | -0.59% | 29th below |
| Yield on Earning Assets | 4.54% | 5.72% | -1.18% | 8th bottom |
| Cost of Funds | 0.97% | 2.03% | -1.06% | 96th top |
| Net Interest Spread | 2.44% | 3.13% | -0.69% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.99% | -0.67% | 88th top |
| NPA / Total Assets | 0.18% | 0.72% | -0.54% | 87th top |
| NCO / Avg Loans | 0.00% | 0.33% | -0.33% | 89th top |
| ACL / Total Loans | 1.05% | 1.39% | -0.34% | 32nd below |
| ACL / NPLs (Coverage) | 330.91% | 234.54% | +96.37% | 88th top |
| Texas Ratio | 1.91% | 8.92% | -7.01% | 90th top |
| Provision / NCO | 2343.75% | 104.78% | +2238.97% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.33% | 15.66% | -1.33% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.33% | 15.79% | -1.46% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.94% | 16.92% | -1.98% | 63rd above |
| Leverage Ratio | 11.41% | 10.49% | +0.92% | 79th top |
| Equity / Assets | 14.68% | 11.69% | +2.99% | 87th top |
| TCE / Tangible Assets | 9.47% | 9.73% | -0.26% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.22% | 84.67% | -11.45% | 82nd top |
| Core Deposit Ratio | 98.01% | 86.53% | +11.48% | 97th top |
| Uninsured Deposit Ratio | 54.18% | 36.71% | +17.47% | 8th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.02% | 5.84% | -0.82% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 37.39% | 11.74% | +25.65% | 94th top |
| Loan Growth (Y/Y) | 43.77% | 11.11% | +32.66% | 94th top |
| Deposit Growth (Y/Y) | 36.33% | 11.15% | +25.18% | 94th top |
See Citizens Business Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Business Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Business Bank, N.A. profile, how to read a UBPR, or how this data updates.