Bank Comparison
City National Bank vs Banc of California
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 8
winning metrics across 24 comparable rows
Capital adequacy
| Metric | City National Bank | Banc of California |
|---|---|---|
| CET1 Ratio | 15.06% | 13.50% |
| Tier 1 Capital Ratio | 15.06% | 13.50% |
| Total Capital Ratio | 16.79% | 15.97% |
| Tier 1 Leverage Ratio | 10.37% | 10.73% |
| Equity / Assets | 11.69% | 11.29% |
Profitability
| Metric | City National Bank | Banc of California |
|---|---|---|
| Return on Assets (ROA) | 0.73% | 0.95% |
| Return on Equity (ROE) | 6.10% | 8.31% |
| Net Interest Margin (NIM) | 3.15% | 3.32% |
| Yield on Earning Assets | 4.76% | 5.13% |
| Cost of Funds | 1.83% | 1.89% |
Asset quality
| Metric | City National Bank | Banc of California |
|---|---|---|
| Texas Ratio | 5.13% | 15.71% |
| Non-Performing Loan Ratio | 0.84% | 2.34% |
| Non-Performing Asset Ratio | 0.58% | 1.74% |
| Net Charge-Off Ratio | 0.03% | 0.23% |
| ACL / Loans | 1.02% | 0.96% |
Balance sheet
| Metric | City National Bank | Banc of California |
|---|---|---|
| Total Assets | $99,947M | $34,642M |
| Total Deposits | $81,067M | $27,440M |
| Total Loans | $69,510M | $25,039M |
| Total Equity | $11,687M | $3,909M |
| Net Income (quarter) | $183,570K | $80,722K |
Liquidity & funding
| Metric | City National Bank | Banc of California |
|---|---|---|
| Loan-to-Deposit Ratio | 85.74% | 91.25% |
| Core Deposit Ratio | 95.83% | 96.55% |
| Uninsured Deposit Ratio | 57.06% | 29.85% |
Identity
| Metric | City National Bank | Banc of California |
|---|---|---|
| Headquarters City | LOS ANGELES | LOS ANGELES |
| Headquarters State | CA | CA |
| Asset Tier | Regional | Regional |
| Charter Class | 14695 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 71 | 88 |
| Employees (FTE) | 7,807 | 1,941 |
| Established | Dec. 4, 1953, midnight | Aug. 26, 1982, 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.
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