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Citizens Business Bank, National Association
Ontario, CA · FDIC Certificate #21716 · Chartered 08/0
Total assets
$21.18B
Total deposits
$16.41B
Total equity
$3.11B
Net loans
$11.89B
Branches (offices)
83
Net income (YTD)
$103.02M
Rank: #103 of 4,213 U.S. banks by assets · #7 of 115 in California. Assets changed 37.4% and deposits 36.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 8.05% |
| Net interest margin (YTD) | 3.66% |
| Equity to assets | 14.68% |
| Tier 1 leverage ratio | 11.41% |
| Uninsured deposits (share of deposits) | 54.2% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 72.4% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.32B | 86.8% | |
| Commercial & industrial | $1.19B | 10.0% | |
| Consumer / individual | $26.52M | 0.2% | |
| Construction & development | $213.92M | 1.8% | |
| Agricultural | $281.03M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $16.76B | $14.14B | $107.22M | $1.94B |
| Jun 2023 | $16.48B | $12.43B | $117.81M | $1.99B |
| Jun 2024 | $16.16B | $11.84B | $101.57M | $2.10B |
| Jun 2025 | $15.42B | $12.04B | $104.37M | $2.22B |
| Jun 2026 | $21.18B | $16.41B | $103.02M | $3.11B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $16.41B | 83 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.41B.
Similar-sized banks
Mechanics Bank ($21.25B) · Merchants Bank Of Indiana ($21.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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