City National Bank
City National Bank reported total assets of $99.1 bn at Q2 2026, up 5.2% on a year earlier, the 33rd largest of 497 banks in our US coverage. The CET1 capital ratio at City National Bank was 14.57%, and the uninsured share of City National Bank was 55.45%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, City National Bank slipped from 240th to 348th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- City National Bank has one of the highest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 55.45% at , against a median of 38.56% across 126 banks (FDIC Call Reports).
What sets City National Bank apart
How large is City National Bank?
The balance sheet of City National Bank at : assets $99.1 bn, deposits $81.5 bn, net loans $68.5 bn (loans equal to 83.99% of deposits). Securities make up 20.4% of total assets at City National Bank. Since , when City National Bank held $40.3 bn, its assets grew 145.8%. In the year to , deposits at City National Bank rose 4.8% while its total assets rose 5.2%. At , City National Bank employed 7,782 full-time equivalent staff across 71 offices, about $12.7 mn of assets per employee and $1.1 bn of deposits per office.
How much funding at City National Bank is uninsured?
At City National Bank, uninsured deposits (above the FDIC limit) made up 55.45% of domestic deposits at (-5.50 pp on a year earlier); City National Bank ranks 46th of 500 on this measure. In dollars, City National Bank estimated $45.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $81.5 bn | +4.8% | 34th of 499 |
| Net loans and leases | $68.5 bn | +6.5% | 26th of 500 |
| Loan-to-deposit ratio | 83.99% | +1.30 pp | 292nd of 500 |
| Tier 1 leverage ratio | 10.08% | -1.14 pp | 288th of 500 |
| Total risk-based capital ratio | 16.25% | -1.74 pp | 112th of 448 |
| Net interest margin | 3.24% | +0.03 pp | 359th of 500 |
| Return on assets (ROA) | 0.97% | +0.17 pp | 399th of 500 |
| Efficiency ratio | 65.81% | -0.16 pp | 400th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $516.9 mn | Narrowed by $19.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $70.0 mn | Turned from a gain into a loss | |
| Noncurrent loans to total loans | 0.92% | +0.42 pp | 348th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | -0.09 pp | 163rd of 500 (1 = lowest) |
US rank of City National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
City National Bank: assets, deposits and loans
- Total assets $99.1bn
- Deposits $81.5bn
- Net loans $68.5bn
Capital and securities
The CET1 ratio of City National Bank stood at 14.57% in , -1.61 pp year on year. Low and high at City National Bank since : 9.19% () to 16.28% (). Equity capital of City National Bank at : $11.3 bn, or 11.4% of total assets. City National Bank also reported a total capital ratio of 16.25% for , and a tier 1 leverage ratio of 10.08%.
On held-to-maturity securities, City National Bank carried an unrealized loss of $516.9 mn at , equal to 4.6% of equity capital. The loss narrowed by $19.5 mn over the year. Its deepest point: $934.7 mn in . The available-for-sale portfolio of City National Bank showed an unrealized loss of $70.0 mn at ; the loss turned from a gain into a loss over the year.
City National Bank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 10%
City National Bank: unrealized securities gains and losses
- Available for sale -$70mn
- Held to maturity -$517mn
Profitability and loan quality
For the year to , City National Bank earned a return on equity of 8.15%; return on assets: 0.97%. Net interest margin at City National Bank: 3.24%, +0.03 pp in a year. City National Bank net income: $480.2 mn, up 29.1% year on year. The efficiency ratio of City National Bank was 65.81%: about 66 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.92% of total loans at City National Bank; net charge-offs: 0.03% of average loans. Gross loans and leases at City National Bank: $69.1 bn, up 6.3% in a year.
City National Bank: profitability
- Return on equity 8.2%
- Net interest margin 3.2%
- Return on assets 1.0%
Peer group of City National Bank
The peer group of City National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of City National Bank (national bank), 3 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in California. Against them, City National Bank shows CET1 ratio 14.57% against a peer median of 13.75%, return on equity 8.15% against a peer median of 15.91% and uninsured deposit share 55.45% against a peer median of 31.49%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Synchrony Bank | Federal savings bank | UT | $115.2 bn | 14.35% | 22.07% | 11.92% | |
| USAA Federal Savings Bank | Federal savings bank | AZ | $106.2 bn | 16.89% | 17.44% | 5.19% | |
| Santander Bank | National bank | DE | $104.0 bn | 20.26% | 7.54% | 34.05% | |
| City National Bank | National bank | CA | $99.1 bn | 14.57% | 8.15% | 55.45% | |
| Western Alliance Bank | State member bank | AZ | $98.6 bn | 11.58% | 14.37% | 38.09% | |
| Zions Bancorporation | National bank | UT | $89.0 bn | 11.83% | 18.57% | 46.17% | |
| Flagstar Bank | National bank | NY | $87.7 bn | 13.16% | 1.36% | 28.94% | |
. FDIC Call Reports.
Last eight quarters
Two years at City National Bank, to : assets +7.6%, deposits +6.3%, equity +2.2%. Staff 7,709 to 7,782; offices 70 to 71.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $92.1 bn | $92.2 bn | $93.1 bn | $94.2 bn | $96.5 bn | $98.4 bn | $99.9 bn | $99.1 bn |
| Total deposits | $76.7 bn | $76.6 bn | $76.5 bn | $77.8 bn | $80.2 bn | $78.5 bn | $81.1 bn | $81.5 bn |
| Bank equity capital | $11.0 bn | $11.4 bn | $11.5 bn | $11.8 bn | $12.0 bn | $12.4 bn | $11.7 bn | $11.3 bn |
| CET1 ratio | 15.53% | 16.24% | 16.20% | 16.18% | 16.28% | 16.18% | 15.06% | 14.57% |
| Return on equity (ROE) | 6.67% | 7.22% | 5.57% | 6.43% | 7.27% | 7.63% | 6.10% | 8.15% |
| Uninsured share of domestic deposits | 56.56% | 58.57% | 62.05% | 60.95% | 60.51% | 61.02% | 57.06% | 55.45% |
| Full-time equivalent employees | 7,709 | 7,830 | 7,715 | 7,862 | 7,791 | 7,763 | 7,807 | 7,782 |
| Number of offices | 70 | 71 | 71 | 71 | 71 | 71 | 71 | 71 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by City National Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of City National Bank?
City National Bank reported $99.1 bn at in its Call Report. That makes City National Bank the 33rd largest of 497 banks in our US coverage.
Is City National Bank the same as its holding company?
No. This page covers City National Bank, FDIC certificate 17281; ROYAL BANK OF CANADA (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is City National Bank profitable?
City National Bank reported net income of $480.2 mn for the year to ; annualized return on equity: 8.15%. So yes: City National Bank made a profit over these months.
When is data for City National Bank next updated?
Figures from City National Bank for are due after .
Where can I check the figures for City National Bank?
In the FDIC BankFind Suite record for certificate 17281, and in the Call Reports of City National Bank (RSSD ID 63069) at the FFIEC Central Data Repository.