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888-222-5432
701 Haven Avenue
Ontario, CA 91764

Citizens Business Bank is headquartered in Ontario and is the 13st largest bank in the state of California. It is also the 135th largest bank in the nation. It was established in 1974 and as of June of 2014, it had grown to 787 employees at 52 locations. Citizens Business Bank has a A+ health rating.

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Health

Data for Q2 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Citizens Business Bank had $61.17 million in non-current loans and owned real-estate with $918.82 million in equity and loan loss allowances on hand to cover it. This gives Citizens Business Bank a Texas Ratio of 6.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Citizens Business Bank decreased slightly from 9.15% as of June 30, 2013 to 6.66% as of June 30, 2014, resulting in a positive change of 27.23%.This indicates that the balance sheet and financial strength for Citizens Business Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Citizens Business Bank has increased its total deposits by $797.07 million, resulting in 16.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Business Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Business Bank has $7.42 billion in assets with $918.82 million in equity, resulting in a capitalization level of 12.39%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #21716
Year Established1974
Employees787
Primary RegulatorFDIC
Assets and Liabilities
Assets$7.42 billion
Loans$3.56 billion
Deposits$5.64 billion
Equity Capital$857.85 million
Loan Loss Allowance$60.97 million
Unbacked Noncurrent Loans$54.63 million
Real Estate Owned$6.54 million
Historic Data - June 2013
Assets$6.42 billion
Equity Capital$770.26 million
Loan Loss Allowance$85.46 million
Unbacked Noncurrent Loans$54.63 million
Real Estate Owned$6.52 million
Profit Margin - Quarterly
Return on Assets1.6%
Return on Equity13.59%
Interest Income$122.28 million
Rates

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Locations

Citizens Business Bank has 45 locations. Click to view all Citizens Business Bank locations.