Citizens Business Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.50 percentage points higher than in Q1 2026, at 330.91%. Within California, Citizens Business Bank, N.A. is 63rd of 114 on return on assets, 1.01% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Citizens Business Bank, N.A. sits 0.28 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.33% |
| Tier 1 risk-based capital ratio | 14.33% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 11.41% |
| Equity capital to assets | 14.68% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 330.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 7.54% |
| Net interest margin | 3.67% |
| Efficiency ratio | 57.08% |
| Yield on earning assets | 4.54% |
| Cost of funds | 0.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.22% |
| Core deposits to total deposits | 98.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.48% |
| Securities to assets | 26.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.25% | 14.25% | 15.12% | 9.91% | 1.41% |
| Q4 2023 | 14.49% | 14.49% | 15.34% | 10.17% | 1.20% |
| Q1 2024 | 14.81% | 14.81% | 15.63% | 10.36% | 1.21% |
| Q2 2024 | 15.13% | 15.13% | 15.95% | 10.44% | 1.24% |
| Q3 2024 | 15.60% | 15.60% | 16.42% | 10.49% | 1.25% |
| Q4 2024 | 16.01% | 16.01% | 16.82% | 11.30% | 1.32% |
| Q1 2025 | 16.36% | 16.36% | 17.17% | 11.70% | 1.36% |
| Q2 2025 | 16.30% | 16.30% | 17.11% | 11.69% | 1.34% |
| Q3 2025 | 16.14% | 16.14% | 16.94% | 11.62% | 1.37% |
| Q4 2025 | 15.66% | 15.66% | 16.44% | 11.46% | 1.42% |
| Q1 2026 | 16.06% | 16.06% | 16.87% | 11.69% | 1.32% |
| Q2 2026 | 14.33% | 14.33% | 14.94% | 11.41% | 1.01% |
Citizens Business Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Business Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Business Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21716) · FFIEC NIC profile (RSSD 933966)