Citizens Business Bank, National Association
Ontario, California, San Bernardino County
$21.2B in total assets, the 106th largest of 4,309 US banks and 7th of 120 headquartered in California.
- FDIC certificate
- 21716
- Established
- 1974
- Owned by
- Cvb Financial Corp
- Primary regulator
- OCC
- Website
- http://www.cbbank.com
At a glance
Compared with 9 banks headquartered in California with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $21.2B | 33% | $24.6B | |
| Loans | $12.0B | 22% | $20.6B | |
| Deposits | $16.4B | 33% | $21.1B | |
| Return on assets | 1.28% | 56% | 1.04% | |
| Net interest margin | 3.66% | 78% | 3.31% | |
| Efficiency ratio | 51.5% | 44% | 58.8% | |
| Equity to assets | 14.68% | 98% | 12.41% | |
| Loans to deposits | 73% | 2% | 85% |
Growth
Total assets grew 6.4% a year over the last 5 years and 9.8% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | Heritage Bank of Commerce San Jose, CA | $5.7B |
| Jan 2022 | Suncrest Bank Visalia, CA | $1.4B |
| Aug 2018 | Community Bank Pasadena, CA | $3.7B |
| Mar 2017 | Valley Business Bank Visalia, CA | $422M |
| Mar 2016 | County Commerce Bank Ventura, CA | $256M |
| May 2014 | American Security Bank Newport Beach, CA | $431M |
| Oct 2009 | San Joaquin Bank Bakersfield, CA | $766M |
| Jun 2007 | First Coastal Bank, National Association Manhattan Beach, CA | $222M |
| Feb 2005 | Granite State Bank Monrovia, CA | $109M |
| Sep 2003 | Kaweah National Bank Visalia, CA | $92M |
| Jun 2002 | Western Security Bank, National Association Burbank, CA | $156M |
| Oct 1999 | Orange National Bank Orange, CA | $274M |
| Mar 1996 | Citizens Commercial Trust and Savings Bank of Pasadena Pasadena, CA | $146M |
| Jul 1994 | Pioneer Bank Fullerton, CA | $133M |
| Jun 1994 | Western Industrial National Bank South El Monte, CA | $45M |
| Oct 1993 | Mid City Bank, National Association Brea, CA | $106M |
| Mar 1993 | Fontana First National Bank Fontana, CA | $26M |
| May 1987 | Huntington Bank Arcadia, CA | $39M |
| Oct 1986 | Independent National Bank Covina, CA | $28M |
Where they operate
83 branches in 22 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Los Angeles County, CA | $4.9B | 1.0% | 17 of 91 |
| San Bernardino County, CA | $2.5B | 6.5% | 5 of 29 |
| Santa Clara County, CA | $2.3B | 1.3% | 12 of 42 |
| Orange County, CA | $1.7B | 1.1% | 16 of 73 |
| Contra Costa County, CA | $1.1B | 2.2% | 9 of 31 |
| Tulare County, CA | $611M | 8.3% | 5 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 35 branches since 2016 (48 to 83, +72.9%). 9 opened, 36 acquired, 10 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 48 | |||
| 2016 | Acquired County Commerce BankOpened Westlake Village, closed Oxnard and Porterville | 4 | 2 | +2 | 50 |
| 2017 | Acquired Valley Business BankClosed 3 in California | 4 | 3 | +1 | 51 |
| 2018 | Acquired Community BankSold 1 branch to Bank of the Sierra, opened 3 in California | 10 | 1 | +9 | 60 |
| 2019 | Closed Fresno and Los Angeles | 0 | 2 | −2 | 58 |
| 2020 | Closed San Marino | 0 | 1 | −1 | 57 |
| 2021 | Opened 3 in CaliforniaClosed Arcadia | 3 | 1 | +2 | 59 |
| 2022 | Acquired Suncrest Bank | 6 | 0 | +6 | 65 |
| 2023 | Opened El Segundo | 1 | 0 | +1 | 66 |
| 2024 | Opened Santa Ana | 1 | 0 | +1 | 67 |
| 2026 through Q2 | Acquired Heritage Bank of Commerce | 16 | 0 | +16 | 83 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 64% | 27% | |
| Multifamily | 10% | 11% | |
| Business (C&I) | 10% | 11% | |
| 1-4 family residential | 6% | 32% | |
| Farmland | 3% | 0% | |
| Agricultural | 2% | 0% | |
| Construction and land | 2% | 3% | |
| Consumer | 0% | 2% | |
| Other | 2% | 14% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 52% | 23% | |
| Other interest-bearing | 43% | 56% | |
| Time deposits | 4% | 21% |
Brokered deposits are 0.0% of deposits (peers 9.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.13% | 0.52% |
| Net charge-offs, annualized | 0.00% | 0.09% |
| Reserves to loans | 1.05% | 1.06% |
| Leverage ratio | 11.41% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Los Angeles County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/citizens-business