Citizens Business Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 14.33% was down 173bps from the prior quarter. Citizens Business Bank, N.A. is a regional commercial bank serving California and adjacent markets, with headquarters in Ontario. On its most recent Q2 2026 call report, Citizens Business Bank reported $21.2B in total assets against $16.4B in deposits. Returns are in line with industry norms at 1.01% ROA and 7.54% ROE; net interest margin is 3.67%. Capital cushions are healthy: 14.33% CET1, 11.41% Tier 1 leverage. Asset quality is pristine, 0.32% NPLs and a 1.91% Texas Ratio. Citizens Business Bank operates a 87-branch network.
As of June 30, 2026, Citizens Business Bank, N.A. reported a CET1 capital ratio of 14.33%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.32%, a Texas ratio of 1.91%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 701 N Haven Ave, Ontario, CA 91764
- County
- San Bernardino
- Metro Area
- Riverside-San Bernardino-Ontario, 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 041
- Established
- August 9, 1974
- Former names
- Citizens Business Bank (2014-2025); Chino Valley Bank (1977-1996)
- Offices
- 87 domestic
- Employees (FTE)
- 1,211
- Domestic deposits
- $16.41B
- Allowance for credit losses
- $126.7M
- Net charge-offs (YTD)
- $128K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1974
- FDIC Cert
- 21716
- Fed RSSD
- 933966
- SEC CIK
- 354647 → filed by CVB FINANCIAL CORP.
- Website
- http://www.cbbank.com →
- Parent Holding Company
- CVB FINANCIAL CORP. (RSSD 1029222) · CVBF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brager David A. | CEO | President & CEO |
| Nicholson E Allen | CFO | EVP & CFO |
| Harvey David C | COO | EVP Chief Operating Officer |
| Jones Robertson Clay Jr | PRES | President |
| Wohl Richard H | GC | EVP & General Counsel |
| Deangelis Yamynn | CRO | EVP Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Business Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Business Bank, N.A., 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Citizens Business Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens Business Bank, N.A.: Uninsured deposits.
Banks merged into Citizens Business Bank, N.A.
- Heritage Bank of Commerce, effective April 18, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.33% | 1.01% | 0.32% | 1.91% | 3.67% |
| Q1 2026 | 16.06% | 1.32% | 0.30% | 1.60% | 3.35% |
| Q4 2025 | 15.66% | 1.42% | 0.25% | 1.38% | 3.44% |
| Q3 2025 | 16.14% | 1.37% | 0.45% | 2.50% | 3.27% |
| Q2 2025 | 16.30% | 1.34% | 0.42% | 2.37% | 3.22% |
| Q1 2025 | 16.36% | 1.36% | 0.45% | 2.51% | 3.18% |
| Q4 2024 | 16.01% | 1.32% | 0.40% | 3.65% | 3.10% |
| Q3 2024 | 15.60% | 1.25% | 0.44% | 2.58% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 83 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pasadena Branch | Pasadena , CA | 91106 | $1.80B |
| Heritage Bank of Commerce Branch | San Jose , CA | 95110 | $1.48B |
| Danville Branch | Danville , CA | 94526 | $764.4M |
| Tri City Branch | San Bernardino , CA | 92408 | $588.8M |
| Citizens Business Bank, N.A. (main office) | Ontario , CA | 91764 | $585.6M |
| Chino Branch | Chino , CA | 91710 | $582.8M |
| Visalia Main Branch | Visalia , CA | 93291 | $438.5M |
| Palo Alto Branch | Palo Alto , CA | 94301 | $391.6M |
| Plaza Branch | Orange , CA | 92866 | $372.7M |
| South Bay Commercial Banking Center | Torrance , CA | 90502 | $363.6M |
| Walnut Creek Office Branch | Walnut Creek , CA | 94596 | $340.0M |
| Burbank Airport Branch | Burbank , CA | 91505 | $329.9M |
| Fresno Business Financial Center | Fresno , CA | 93720 | $297.7M |
| Upland Branch | Upland , CA | 91786 | $282.8M |
| Brea Branch | Brea , CA | 92821 | $276.0M |
| San Mateo Branch | San Mateo , CA | 94402 | $245.7M |
| San Rafael Branch | San Rafael , CA | 94901 | $230.0M |
| Covina Branch | Covina , CA | 91724 | $217.9M |
| San Francisco Branch | San Francisco , CA | 94111 | $209.8M |
| Los Altos Branch | Los Altos , CA | 94022 | $207.0M |
| Pleasanton Office | Pleasanton , CA | 94566 | $205.9M |
| Apple Valley Branch | Apple Valley , CA | 92308 | $204.6M |
| San Fernando Valley Branch | Encino , CA | 91436 | $202.5M |
| Riverside Branch | Riverside , CA | 92501 | $197.5M |
| Katella Branch | Orange , CA | 92867 | $195.4M |
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 18, 2026 | M&A | merger | SEC |
| April 18, 2026 | Structure Change | Acquired Heritage Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 8, 2022 | M&A | merger | SEC |
| January 8, 2022 | Structure Change | Acquired Suncrest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 2018 | M&A | merger | SEC |
| August 11, 2018 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 2017 | M&A | merger | SEC |
| March 11, 2017 | Structure Change | Acquired Valley Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | M&A | merger | SEC |
| March 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | Structure Change | Acquired County Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2014 | M&A | merger | SEC |
| May 16, 2014 | Structure Change | Acquired American Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2009 | M&A | failure_government_assistance_provided | SEC |
| October 17, 2009 | Structure Change | Acquired San Joaquin Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 16, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 23, 2007 | M&A | merger | SEC |
| June 23, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 2007 | Structure Change | Acquired First Coastal Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2006 | M&A | merger | SEC |
| March 31, 2006 | Structure Change | Acquired Golden West Enterprises, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2005 | M&A | merger | SEC |
| February 26, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2005 | Structure Change | Acquired Granite State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 2003 | M&A | merger | SEC |
| September 20, 2003 | Structure Change | Acquired Kaweah National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 29, 2002 | M&A | merger | SEC |
| June 29, 2002 | Structure Change | Acquired Western Security Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 1999 | M&A | merger | SEC |
| October 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 1999 | Structure Change | Acquired Orange National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 1996 | M&A | merger | SEC |
| March 30, 1996 | Structure Change | Acquired Citizens Commercial Trust and Savings Bank of Pasadena Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 29, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1994 | M&A | failure_government_assistance_provided | SEC |
| July 9, 1994 | Structure Change | Acquired Pioneer Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 8, 1994 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 25, 1994 | M&A | merger | SEC |
| June 25, 1994 | Structure Change | Acquired Western Industrial National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Citizens Business Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in CA, rank 15 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 76 loans originated, $182.6M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 10 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Business Bank, N.A.
What are Citizens Business Bank, N.A.'s total assets?
As of the Q2 2026 filing, Citizens Business Bank, N.A. reported total assets of $21.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Business Bank, N.A. headquartered?
Citizens Business Bank, N.A. is headquartered in Ontario, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Business Bank, N.A. founded?
Citizens Business Bank, N.A. was established in 1974, per the FDIC institution directory.
Is Citizens Business Bank, N.A. FDIC-insured?
Yes. Citizens Business Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #21716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Business Bank, N.A.?
Citizens Business Bank, N.A.'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 Citizens Business Bank, N.A.'s CET1 capital ratio?
Citizens Business Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Business Bank, N.A. operate?
Citizens Business Bank, N.A. operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Business Bank, N.A.'s Texas Ratio?
Citizens Business Bank, N.A.'s Texas Ratio is 1.91% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Business Bank, N.A. previously called?
The charter now named Citizens Business Bank, N.A. has also operated as Citizens Business Bank (2014-2025), Chino Valley Bank (1977-1996), per FDIC structure-change records.
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