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BanksCity National Bank

City National Bank

LOS ANGELES, CARegionalEst. Dec 4, 1953FDIC #17281RSSD #63069OCC
Latest ·

Capital moved notably last quarter — CET1 ratio of 15.06% was down 112bps from the prior quarter. City National Bank is a regional commercial bank serving California and adjacent markets, with headquarters in Los Angeles. The Q1 2026 balance sheet stands at $99.9B in assets, including $69.5B in loans. Returns are in line with industry norms at 0.73% ROA and 6.10% ROE; net interest margin is 3.15%. Capital is comfortably above regulatory minimums — CET1 ratio of 15.06% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 0.84% NPL ratio. Its footprint covers 71 branches concentrated in California.

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
Fed District
14
Established
December 4, 1953
Branches
71 domestic
Employees (FTE)
7807
FDIC Cert
17281
Fed RSSD
63069
Website
www.cnb.com →
Parent Holding Company
RBC USA HOLDCO CORPORATION (RSSD 3226762)
Assets
$99.9B
Deposits
$81.1B
Loans
$69.5B
Equity
$11.7B

Profitability

Return on Assets0.73%
Return on Equity6.10%
Net Interest Margin3.15%
Yield on Earning Assets4.76%
Cost of Funds1.83%

Asset Quality

Non-Performing Loan Ratio0.84%
Net Charge-Off Ratio0.03%
Texas Ratio5.13%
Non-Performing Asset Ratio0.58%
ACL / Loans1.02%

Capital & Liquidity

CET1 Capital Ratio15.06%
Tier 1 Capital Ratio15.06%
Total Capital Ratio16.79%
Tier 1 Leverage Ratio10.37%
Loan-to-Deposit Ratio85.74%

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.

Uninsured deposits at 57.1% of total — meaningful run-risk exposureWhat does this mean? →

More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.

City National Bank rankings

How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.

Largest US Banks by Assets
#34of 4,552
99947369.00 · 99th pct
US Banks with Highest Return on Assets (ROA)
#3,020of 3,912
0.73% · 23th pct
US Banks with Highest CET1 Capital Ratio
#1,003of 2,425
15.06% · 59th pct
US Banks with Highest Texas Ratio
#1,658of 3,908
5.13% · 58th pct
US Banks with Highest Share of Uninsured Deposits
#54of 1,072
57.06% · 95th pct
Most Efficient US Banks (Lowest Efficiency Ratio)
#2,459of 3,911
66.66% · 37th pct

Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-3115.06%0.73%0.84%5.13%3.15%
2025-12-3116.18%1.07%0.74%4.33%3.32%
2025-09-3016.28%1.12%0.65%3.67%3.32%
2025-06-3016.18%0.91%0.67%3.78%3.21%
2025-03-3116.20%0.69%0.65%3.66%3.22%
2024-12-3116.24%1.04%0.58%3.39%3.28%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

…
BranchLocationZIPDeposits
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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.

  1. Structure Change
    Failure, Government Assistance Provided
    FFIEC NIC
  2. Merger
    Participated in FDIC Assisted Merger
    FDIC
  3. Structure Change
    Failure, Government Assistance Provided
    FFIEC NIC
  4. Merger
    Participated in FDIC Assisted Merger
    FDIC
  5. Structure Change
    Failure, Government Assistance Provided
    FFIEC NIC
  6. Merger
    Participated in FDIC Assisted Merger
    FDIC
  7. Structure Change
    Failure, Government Assistance Provided
    FFIEC NIC
  8. Merger
    Participated in FDIC Assisted Merger
    FDIC
  9. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  10. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  11. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  12. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  13. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  14. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  15. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  16. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  17. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  18. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  19. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  20. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  21. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  22. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  23. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  24. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  25. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  26. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  27. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  28. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  29. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  30. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  31. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  32. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  33. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC

Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 33 events.

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Frequently asked about City National Bank

What are City National Bank's total assets?

As of the Q1 2026 filing, City National Bank reported total assets of $99.95 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is City National Bank headquartered?

City National Bank is headquartered in LOS ANGELES, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was City National Bank founded?

City National Bank was established in 1953, per the FDIC institution directory.

Is City National Bank FDIC-insured?

Yes. City National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is City National Bank's CET1 capital ratio?

City National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does City National Bank operate?

City National Bank operates 71 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is City National Bank's Texas Ratio?

City National Bank's Texas Ratio is 5.13% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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