Bank Comparison
Citizens Business Bank, N.A. vs Bank of America California, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Citizens Business Bank, N.A. | Bank of America California, N.A. |
|---|---|---|
| CET1 Ratio | 16.06% | 37.26% |
| Tier 1 Capital Ratio | 16.06% | 37.26% |
| Total Capital Ratio | 16.87% | 37.55% |
| Tier 1 Leverage Ratio | 11.69% | 12.41% |
| Equity / Assets | 14.80% | 12.65% |
Profitability
| Metric | Citizens Business Bank, N.A. | Bank of America California, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 0.73% |
| Return on Equity (ROE) | 9.12% | 5.89% |
| Net Interest Margin (NIM) | 3.35% | 1.77% |
| Yield on Earning Assets | 4.22% | 3.51% |
| Cost of Funds | 0.95% | 2.01% |
Asset quality
| Metric | Citizens Business Bank, N.A. | Bank of America California, N.A. |
|---|---|---|
| Texas Ratio | 1.60% | 3.48% |
| Non-Performing Loan Ratio | 0.30% | 0.67% |
| Non-Performing Asset Ratio | 0.17% | 0.44% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.93% | 0.14% |
Balance sheet
| Metric | Citizens Business Bank, N.A. | Bank of America California, N.A. |
|---|---|---|
| Total Assets | $15,511M | $15,126M |
| Total Deposits | $12,002M | $12,639M |
| Total Loans | $8,643M | $9,745M |
| Total Equity | $2,295M | $1,914M |
| Net Income (quarter) | $52,047K | $28,000K |
Liquidity & funding
| Metric | Citizens Business Bank, N.A. | Bank of America California, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 72.01% | 77.10% |
| Core Deposit Ratio | 99.20% | 96.04% |
| Uninsured Deposit Ratio | 54.15% | 5.95% |
Identity
| Metric | Citizens Business Bank, N.A. | Bank of America California, N.A. |
|---|---|---|
| Headquarters City | ONTARIO | SAN FRANCISCO |
| Headquarters State | CA | CA |
| Asset Tier | Regional | Regional |
| Charter Class | 25382 | 24077 |
| Regulator | OCC | OCC |
| Domestic Branches | 87 | 1 |
| Employees (FTE) | 1,028 | 0 |
| Established | Aug. 9, 1974, midnight | May 18, 1984, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Citizens Business Bank, N.A. profile | View full Bank of America California, N.A. profile | Browse all bank comparisons