Citizens Business Bank
Citizens Business Bank reported total assets of $21.2 bn at Q2 2026, up 37.4% on a year earlier, the 102nd largest of 497 banks in our US coverage. The CET1 capital ratio at Citizens Business Bank was 14.33%, and the uninsured share of Citizens Business Bank was 54.18%. Source: FDIC Call Reports.
Key takeaways
- Since , Citizens Business Bank has taken over 4 institutions; the latest was Heritage Bank of Commerce on (FDIC Call Reports).
- On return on equity (ROE), Citizens Business Bank slipped from 318th to 415th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Citizens Business Bank reports one of the lowest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 0.14% at , where the median of the 126 banks is 0.66% (FDIC Call Reports).
What sets Citizens Business Bank apart
- Over the year to , the net loans and leases of Citizens Business Bank rose by 43.6% to $11.9 bn, a bigger rise than at 96% of covered banks.
- Over the year to , the total assets of Citizens Business Bank rose by 37.4% to $21.2 bn, a bigger rise than at 96% of covered banks.
- At 54.18%, the uninsured share of domestic deposits of Citizens Business Bank sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 38.56%.
How large is Citizens Business Bank?
The balance sheet of Citizens Business Bank at : assets $21.2 bn, deposits $16.4 bn, net loans $11.9 bn (loans equal to 72.44% of deposits). Securities make up 26.9% of total assets at Citizens Business Bank. Since , when Citizens Business Bank held $7.9 bn, its assets grew 167.6%. In the year to , deposits at Citizens Business Bank rose 36.3% while its total assets rose 37.4%. At , Citizens Business Bank employed 1,211 full-time equivalent staff across 87 offices, about $17.5 mn of assets per employee and $188.7 mn of deposits per office.
How much funding at Citizens Business Bank is uninsured?
At Citizens Business Bank, uninsured deposits (above the FDIC limit) made up 54.18% of domestic deposits at (-9.03 pp on a year earlier); Citizens Business Bank ranks 52nd of 500 on this measure. In dollars, Citizens Business Bank estimated $8.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $16.4 bn | +36.3% | 104th of 499 |
| Net loans and leases | $11.9 bn | +43.6% | 112th of 500 |
| Loan-to-deposit ratio | 72.44% | +3.67 pp | 408th of 500 |
| Tier 1 leverage ratio | 11.41% | -0.28 pp | 139th of 500 |
| Total risk-based capital ratio | 14.94% | -2.17 pp | 172nd of 448 |
| Net interest margin | 3.66% | +0.38 pp | 242nd of 500 |
| Return on assets (ROA) | 1.18% | -0.18 pp | 320th of 500 |
| Efficiency ratio | 51.52% | +8.04 pp | 161st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $351.1 mn | Narrowed by $41.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $320.0 mn | Narrowed by $34.2 mn | |
| Noncurrent loans to total loans | 0.14% | -0.17 pp | 46th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 72nd of 500 (1 = lowest) |
US rank of Citizens Business Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Citizens Business Bank: assets, deposits and loans
- Total assets $21.2bn
- Deposits $16.4bn
- Net loans $11.9bn
Capital and securities
The CET1 ratio of Citizens Business Bank stood at 14.33% in , -1.97 pp year on year. Low and high at Citizens Business Bank since : 12.97% () to 17.30% (). Equity capital of Citizens Business Bank at : $3.1 bn, or 14.7% of total assets. Citizens Business Bank also reported a total capital ratio of 14.94% for , and a tier 1 leverage ratio of 11.41%.
On held-to-maturity securities, Citizens Business Bank carried an unrealized loss of $351.1 mn at , equal to 11.3% of equity capital. The loss narrowed by $41.3 mn over the year. Its deepest point: $520.1 mn in . The available-for-sale portfolio of Citizens Business Bank showed an unrealized loss of $320.0 mn at ; the loss narrowed by $34.2 mn over the year.
Citizens Business Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Citizens Business Bank: unrealized securities gains and losses
- Available for sale -$320mn
- Held to maturity -$351mn
Profitability and loan quality
For the year to , Citizens Business Bank earned a return on equity of 8.05%; return on assets: 1.18%. Net interest margin at Citizens Business Bank: 3.66%, +0.38 pp in a year. Citizens Business Bank net income: $103.0 mn, down 1.3% year on year. The efficiency ratio of Citizens Business Bank was 51.52%: about 52 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.14% of total loans at Citizens Business Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Citizens Business Bank: $12.0 bn, up 43.8% in a year.
Citizens Business Bank: profitability
- Return on equity 8.1%
- Net interest margin 3.7%
- Return on assets 1.2%
Peer group of Citizens Business Bank
The peer group of Citizens Business Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Citizens Business Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in California. Against them, Citizens Business Bank shows CET1 ratio 14.33% against a peer median of 12.22%, return on equity 8.05% against a peer median of 6.72% and uninsured deposit share 54.18% against a peer median of 37.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Seacoast National Bank | National bank | FL | $21.3 bn | 13.55% | 6.11% | 36.31% | |
| First Merchants Bank | State nonmember bank | IN | $21.3 bn | 11.50% | 6.04% | 45.36% | |
| Mechanics Bank | State nonmember bank | CA | $21.2 bn | 15.48% | 7.33% | 42.90% | |
| Citizens Business Bank | National bank | CA | $21.2 bn | 14.33% | 8.05% | 54.18% | |
| Merchants Bank of Indiana | State nonmember bank | IN | $21.2 bn | 11.76% | 13.29% | 28.97% | |
| The Central Trust Bank | State member bank | MO | $20.3 bn | 12.69% | 22.10% | 38.43% | |
| Apple Bank | State-chartered stock savings bank | NY | $19.9 bn | 11.68% | 4.83% | 21.01% | |
. FDIC Call Reports.
Last eight quarters
Two years at Citizens Business Bank, to : assets +37.5%, deposits +35.4%, equity +42.5%. Staff 1,059 to 1,211; offices 70 to 87.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $15.4 bn | $15.2 bn | $15.3 bn | $15.4 bn | $15.7 bn | $15.6 bn | $15.5 bn | $21.2 bn |
| Total deposits | $12.1 bn | $12.0 bn | $12.0 bn | $12.0 bn | $12.2 bn | $12.1 bn | $12.0 bn | $16.4 bn |
| Bank equity capital | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn | $3.1 bn |
| CET1 ratio | 15.60% | 16.01% | 16.36% | 16.30% | 16.14% | 15.66% | 16.06% | 14.33% |
| Return on equity (ROE) | 9.78% | 9.76% | 9.59% | 9.50% | 9.53% | 9.65% | 9.12% | 8.05% |
| Uninsured share of domestic deposits | 60.88% | 64.33% | 64.27% | 63.20% | 60.92% | 54.07% | 54.15% | 54.18% |
| Full-time equivalent employees | 1,059 | 1,053 | 1,066 | 1,050 | 1,043 | 1,031 | 1,028 | 1,211 |
| Number of offices | 70 | 70 | 70 | 70 | 70 | 70 | 70 | 87 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Citizens Business Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed County Commerce Bank (FDIC certificate 57423).
- . Absorbed Valley Business Bank (FDIC certificate 34156).
- . Absorbed Community Bank (FDIC certificate 24315).
- . Absorbed Suncrest Bank (FDIC certificate 58728).
- . Absorbed Heritage Bank of Commerce (FDIC certificate 33905).
Large one-quarter moves at Citizens Business Bank
- Total assets at Citizens Business Bank changed by +41.9% in the quarter to 2018-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Community Bank.
- Total assets at Citizens Business Bank changed by +36.6% in the quarter to 2026-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Heritage Bank of Commerce.
Questions and identifiers
What were the total assets of Citizens Business Bank?
Citizens Business Bank reported $21.2 bn at in its Call Report. That makes Citizens Business Bank the 102nd largest of 497 banks in our US coverage.
Is Citizens Business Bank the same as its holding company?
No. This page covers Citizens Business Bank, FDIC certificate 21716; CVB FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Citizens Business Bank profitable?
Citizens Business Bank reported net income of $103.0 mn for the year to ; annualized return on equity: 8.05%. So yes: Citizens Business Bank made a profit over these months.
When is data for Citizens Business Bank next updated?
Figures from Citizens Business Bank for are due after .
Where can I check the figures for Citizens Business Bank?
In the FDIC BankFind Suite record for certificate 21716, and in the Call Reports of Citizens Business Bank (RSSD ID 933966) at the FFIEC Central Data Repository.