Citizens Business Bank, National Association
Ontario, CA
IDRSSD: 933966
Total Assets
$15.63B
Latest filing
Total Deposits
$12.13B
Latest filing
Net Interest Margin
3.53%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Business Bank, National Association
701 N Haven Ave
Ontario, CA 91764
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/09/1974FDIC Certificate 15031
Branches (69)
Page 1 of 10| Name | Address | City / State |
|---|---|---|
| Citizens Business Bank, National Association (Main) | 701 N Haven Ave | Ontario, CA |
| REDLANDS BRANCH | 200 E Citrus Ave | Redlands, CA |
| KATELLA BRANCH | 1201 E Katella Ave | Orange, CA |
| BAKERSFIELD DOWNTOWN BRANCH | 1230 17th St | Bakersfield, CA |
| FULLERTON BUSINESS FINANCIAL CENTER BRANCH | 310 N Harbor Blvd | Fullerton, CA |
| LAGUNA BEACH BRANCH | 800 Glenneyre St | Laguna Beach, CA |
| BREA BRANCH | 2650 E Imperial Hwy | Brea, CA |
| SOUTH EL MONTE BRANCH | 9754 Rush St | South El Monte, CA |
Showing 7 of 69
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/09/1974 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 91764 |
| State and County Number | 06071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Riverside-San Bernardino-Ontario, CA |
Operational Info
| Number of Employees | 1,043 |
| Domestic Offices | 70 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/15/2025 |
| Date of Deposit Insurance | 08/09/1974 |
| Primary Insurance Agency | DIF |
| Website | http://www.cbbank.com |
| Data Updated | 01/30/2026 |
| CERT | 21716 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $15.63B |
| Total Deposits | $12.13B |
| Total Liabilities | $13.36B |
| Total Equity Capital | $2.27B |
| Net Income | $56.40M |
| Net Loans and Leases | $8.62B |
| Assets Per Employee ($Millions) | $15.16M |
| Bank Premises and Fixed Assets | $81.13M |
| Cash and Balances due from Depository Institutions | $389.45M |
| Deposits Held in Domestic Offices | $12.13B |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 9.95% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 42.55% |
| Tier 1 Risk-Based Capital Ratio | 15.663% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.525% |
| Earning Assets to total Assets | 88.73% |
Income and Expense
| Total Interest Income | $155.71M |
| Total Noninterest Income | $13.93M |
| Total Interest Expense | $33.06M |
| Total Noninterest Expense | $59.00M |
| Net Interest Income | $122.65M |
| Pre-tax Net Operating Income | $79.08M |
| Provision for Credit Losses | $-1,500,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $163.00k |
| Other borrowed funds | $500.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $490.60M |
| All Other Liabilities | $245.35M |
| Total Liabilities and Capital | $15.63B |
Securities
| Securities | $4.97B |
| Available-for-sale debt securities | $2.68B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.27B |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.69M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Business Bank, National Association?
$15.63B as of the latest filing.
How much are Citizens Business Bank, National Association's total deposits?
$12.13B in total deposits.
Where is Citizens Business Bank, National Association located?
Ontario, CA.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
70.
When was it established?
08/09/1974.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$8.62B (latest filing).
What is the total interest income (latest filing)?
$155.71M.