City National Bank (Los Angeles, CA)
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Data as of · sourced from FFIEC call reports. How we update
City National Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1953 (FDIC certificate 17281), and it is supervised by the OCC. At Q2 2026 it reported total assets of $99.10B, up 5.2% from Q2 2025, the largest of 113 banks headquartered in California. Its CET1 capital ratio was 14.57% 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
- 17281
- Headquarters
- Los Angeles, CA
- Established
- 1953
- Total assets, Q2 2026
- $99.10B
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 14.57%
- Domestic offices
- 71 FDIC institution directory, current count
- Routing number
- 122016066
- Latest call report
- Q2 2026, FFIEC 031 · City National Bank call report
- Holding company
- RBC USA HOLDCO CORPORATION
- Asset rank in state
- 1st of 113 in California
City National Bank is the 33rd-largest bank in the United States, with $99.1 billion in assets at June 30, 2026, up 5.2% from a year earlier. It is headquartered in Los Angeles, California, and operates 71 domestic branches. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.50% a year earlier. It holds about half of its deposits (55%) above the FDIC insurance limit, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 38.6%). It also spends about 63 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $297 million, 40% above the same quarter a year earlier.
As of June 30, 2026, City National Bank reported a CET1 capital ratio of 14.57%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 5.54%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, City National Bank is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $99.10B, loans fell 0.5% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.5% of total loans, ahead of commercial and industrial loans at 15.8%. Its 66 offices in the FDIC Summary of Deposits are in 47 cities across 8 states; its Los Angeles 9 offices book 42% of its branch deposits. On its Q2 2026 call report, City National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 555 S Flower St, Los Angeles, CA 90071
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, 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 031
- Established
- December 4, 1953
- Domestic offices
- 71 FDIC institution directory, current count
- Employees (FTE)
- 7,782
- Domestic deposits
- $81.51B
- Allowance for credit losses
- $681.1M
- Net charge-offs (YTD)
- $11.5M
- Average total assets
- $100.09B
- Average total loans
- $65.26B
- Average interest-bearing deposits
- $78.36B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 4, 1953
- FDIC Cert
- 17281
- Fed RSSD
- 63069
- Website
- www.cnb.com →
- Parent Holding Company
- RBC USA HOLDCO CORPORATION (RSSD 3226762)
- Ultimate Parent
- ROYAL BANK OF CANADA (RSSD 1232497)
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
From Q3 2023 to Q2 2026, City National Bank's total assets ranged from $92.11B (Q3 2024) to $99.95B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$99.10B total assets against $94.21B; $87.82B total liabilities against $82.42B.
$68.46B net loans and leases against $64.30B; $81.51B total deposits against $77.76B.
$20.25B securities against $18.40B; $5.91B cash and balances due against $7.05B.
$1.16B total interest income against $1.11B; $382.9M total interest expense against $397.5M.
$777.0M net interest income against $715.3M.
$227.4M total noninterest income against $183.6M; $641.0M total noninterest expense against $583.3M.
-$21.0M provision for credit losses against $23.1M.
$296.6M net income against $212.2M.
1.19% return on assets against 0.91%; 3.24% net interest margin against 3.21%.
14.57% CET1 capital ratio against 16.18%; 10.08% tier 1 leverage ratio against 11.22%.
Inside the full City National Bank 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.
City National Bank rankings
Its closest position to the top of a national ranking is 33 of 4,196, for total assets; its furthest is 2,196 of 3,606, for efficiency ratio.
Metric pages for City National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q1 2025) to 1.19% (Q2 2026) and its net interest margin ran from 3.15% (Q1 2026) to 3.38% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.57% | 1.19% | 0.92% | 5.54% | 3.24% |
| Q1 2026 | 15.06% | 0.73% | 0.77% | 4.47% | 3.15% |
| Q4 2025 | 16.18% | 1.07% | 0.61% | 3.33% | 3.32% |
| Q3 2025 | 16.28% | 1.12% | 0.46% | 2.51% | 3.32% |
| Q2 2025 | 16.18% | 0.91% | 0.50% | 2.73% | 3.21% |
| Q1 2025 | 16.20% | 0.69% | 0.47% | 2.58% | 3.22% |
| Q4 2024 | 16.24% | 1.04% | 0.46% | 2.48% | 3.28% |
| Q3 2024 | 15.53% | 0.87% | 0.46% | 2.56% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 66 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 |
|---|---|---|---|
| Los Angeles Main Branch | Los Angeles , CA | 90071 | $30.99B |
| Manhattan West Branch | New York , NY | 10001 | $12.65B |
| Beverly Hills Main Branch | Beverly Hills , CA | 90210 | $10.76B |
| 6th Ave Branch | New York , NY | 10036 | $4.89B |
| San Francisco Main Branch | San Francisco , CA | 94111 | $1.62B |
| Orange County Airport Branch | Irvine , CA | 92612 | $1.47B |
| Park Ave Branch | New York , NY | 10022 | $1.45B |
| Century City Towers Branch | Los Angeles , CA | 90067 | $1.20B |
| City National Bank (main office) | Los Angeles , CA | 90071 | $1.19B |
| Nashville Branch | Nashville , TN | 37212 | $1.16B |
| Encino Branch | Encino , CA | 91436 | $1.09B |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $1.07B |
| Utc La Jolla Branch | La Jolla , CA | 92037 | $847.5M |
| Riverside Main Branch | Riverside , CA | 92506 | $732.2M |
| Long Beach - Main Branch | Long Beach , CA | 90802 | $723.0M |
| City of Commerce Branch | Commerce , CA | 90040 | $571.4M |
| Universal City Branch | North Hollywood , CA | 91602 | $566.4M |
| Summerlin Branch | Las Vegas , NV | 89135 | $505.6M |
| Glendale Branch | Glendale , CA | 91203 | $450.1M |
| Pasadena Branch | Pasadena , CA | 91101 | $395.8M |
| Sunset Doheny Branch | West Hollywood , CA | 90069 | $376.7M |
| Beverly Hills Wilshire Branch | Beverly Hills , CA | 90211 | $322.7M |
| Oxnard Branch | Oxnard , CA | 93036 | $311.0M |
| La Palma Branch | La Palma , CA | 90623 | $308.4M |
| Ontario Branch | Ontario , CA | 91764 | $304.0M |
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 9, 2011 | M&A | Acquired Nevada Commerce Bank failure_government_assistance_provided for the acquired bank | SEC |
| April 9, 2011 | Structure Change | Acquired Nevada Commerce Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 8, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 29, 2010 | M&A | Acquired Sun West Bank failure_government_assistance_provided for the acquired bank | SEC |
| May 29, 2010 | Structure Change | Acquired Sun West Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 28, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 8, 2010 | Structure Change | Acquired 1st Pacific Bank of California Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 8, 2010 | M&A | Acquired 1st Pacific Bank of California failure_government_assistance_provided for the acquired bank | SEC |
| May 7, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 19, 2009 | M&A | Acquired Imperial Capital Bank failure_government_assistance_provided for the acquired bank | SEC |
| December 19, 2009 | Structure Change | Acquired Imperial Capital Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 18, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 1, 2007 | Structure Change | Acquired Business Bank of Nevada Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2007 | M&A | Acquired Business Bank of Nevada merger for the acquired bank | SEC |
| May 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2002 | Structure Change | Acquired CivicBank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2002 | M&A | Acquired CivicBank of Commerce merger for the acquired bank | SEC |
| February 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2000 | Structure Change | Acquired The Pacific Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2000 | M&A | Acquired The Pacific Bank, National Association merger for the acquired bank | SEC |
| February 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 28, 1999 | Structure Change | Acquired American Pacific State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1999 | M&A | Acquired American Pacific State Bank merger for the acquired bank | SEC |
| August 27, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1998 | M&A | Acquired North American Trust Company merger for the acquired bank | SEC |
| December 31, 1998 | Structure Change | Acquired North American Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 1998 | Structure Change | Acquired Harbor Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 1998 | M&A | Acquired Harbor Bank merger for the acquired bank | SEC |
| January 9, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 1997 | M&A | Acquired Riverside National Bank merger for the acquired bank | SEC |
| January 25, 1997 | Structure Change | Acquired Riverside National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 1997 | M&A | Acquired Ventura County National Bank merger for the acquired bank | SEC |
| January 18, 1997 | Structure Change | Acquired Frontier Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1995 | Structure Change | Acquired First Los Angeles Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1995 | M&A | Acquired First Los Angeles Bank merger for the acquired bank | SEC |
| December 31, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1990 | M&A | Acquired Warner Center Bank merger for the acquired bank | SEC |
| June 30, 1990 | Structure Change | Acquired Warner Center Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 1968 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| August 31, 1968 | M&A | merger | SEC |
| November 2, 1965 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| November 2, 1965 | M&A | merger | SEC |
| April 2, 1965 | M&A | merger | SEC |
| April 2, 1965 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 48 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 7 against the institution (OCC); 8 against individuals associated with it
- January 31, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): City National Bank
- January 31, 2024, OCC: Civil Money Penalty (CMP): City National Bank
- June 4, 2023, OCC: GLBA Agreement: City National Bank
- May 3, 2010, OCC: Civil Money Penalty (CMP): City National Bank
- February 23, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): City National Bank
- Period: Most recent institution action January 31, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.2% of deposits in CA, rank 6 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,191 applications, 3,375 loans originated, $4.28B originated, across 47 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 94 loans, $111.6M approved, $1.2M 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about City National Bank
What are City National Bank's total assets?
As of the Q2 2026 filing, City National Bank reported total assets of $99.10 billion in its FFIEC call report.
Where is City National Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was City National Bank founded?
It was established in 1953, per the FDIC institution directory.
Is City National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City National Bank?
City National Bank's primary federal regulator is the OCC.
What is City National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City National Bank operate?
It operates 71 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is City National Bank's Texas Ratio?
Its Texas Ratio is 5.54% 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.
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