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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 139th largest bank in the nation. It was established in 1974 and as of March of 2014, it had grown to 735 employees at 45 locations. Citizens Business Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 March 31, 2014 Citizens Business Bank had $59.64 million in non-current loans and owned real-estate with $895.03 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


The Texas Ratio for Citizens Business Bank decreased dramatically from 10.17% as of March 31, 2013 to 6.66% as of March 31, 2014, resulting in a positive change of 34.49%.This indicates that the balance sheet and financial strength for Citizens Business Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Citizens Business Bank has increased its total deposits by $407.34 million, resulting in 8.63% 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.



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 $6.9 billion in assets with $895.03 million in equity, resulting in a capitalization level of 12.98%, which is excellent.

Institution Statistics

FDIC Certificate #21716
Year Established1974
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.90 billion
Loans$3.33 billion
Deposits$5.13 billion
Equity Capital$826.30 million
Loan Loss Allowance$68.73 million
Unbacked Noncurrent Loans$53.17 million
Real Estate Owned$6.48 million
Historic Data - March 2013
Assets$6.26 billion
Equity Capital$786.34 million
Loan Loss Allowance$92.22 million
Unbacked Noncurrent Loans$53.17 million
Real Estate Owned$13.34 million
Profit Margin - Quarterly
Net Interest Margin3.6%
Return on Assets1.74%
Return on Equity14.6%
Interest Income$61.06 million

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