Citizens Business Bank
Ontario, CA
IDRSSD: 933966
Total Assets
$15.67B
Latest filing
Total Deposits
$12.18B
Latest filing
Net Interest Margin
3.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Business Bank
701 N Haven Ave
Ontario, CA 91764
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/09/1974FDIC Certificate 15031
Branches (69)
Page 1 of 10| Name | Address | City / State |
|---|---|---|
| Citizens Business Bank (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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| 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 | 21 |
| 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 | 1,050 |
| Domestic Offices | 70 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 08/09/1974 |
| Primary Insurance Agency | DIF |
| Website | http://www.cbbank.com |
| Data Updated | 11/14/2025 |
| CERT | 21716 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $15.67B |
| Total Deposits | $12.18B |
| Total Liabilities | $13.41B |
| Total Equity Capital | $2.26B |
| Net Income | $53.91M |
| Net Loans and Leases | $8.39B |
| Assets Per Employee ($Millions) | $15.02M |
| Bank Premises and Fixed Assets | $81.75M |
| Cash and Balances due from Depository Institutions | $797.08M |
| Deposits Held in Domestic Offices | $12.18B |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 9.63% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 40.34% |
| Tier 1 Risk-Based Capital Ratio | 16.14% |
| 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 | 14.438% |
| Earning Assets to total Assets | 88.89% |
Income and Expense
| Total Interest Income | $149.78M |
| Total Noninterest Income | $21.05M |
| Total Interest Expense | $34.21M |
| Total Noninterest Expense | $56.11M |
| Net Interest Income | $115.57M |
| Pre-tax Net Operating Income | $79.01M |
| Provision for Credit Losses | $1.50M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $661.00k |
| Other borrowed funds | $500.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $451.26M |
| All Other Liabilities | $280.86M |
| Total Liabilities and Capital | $15.67B |
Securities
| Securities | $4.89B |
| Available-for-sale debt securities | $2.58B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.30B |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.66M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Business Bank?
$15.67B as of the latest filing.
How much are Citizens Business Bank's total deposits?
$12.18B in total deposits.
Where is Citizens Business Bank located?
Ontario, CA.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
70.
When was it established?
08/09/1974.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$8.39B (latest filing).
What is the total interest income (latest filing)?
$149.78M.