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Citizens Business Bank, National Association

Ontario, CA · Est. 1974 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Citizens Business Bank, National Association is a bank based in Ontario, California, established in 1974, with $15.5 billion in total assets across 87 branches. By Trust Grade it ranks 4th of 117 banks we track in California. Its capital ratio of 14.8% is stronger than 89% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 1.34% return on assets. No consumer complaints against Citizens Business Bank, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$15.5B
$10B–100B institution
Deposits
$12.0B
Branches
87
Capital ratio
14.8%
Top 11% of $10B–100B peers · California median 11.7%
Return on assets
1.3%
Top 39% of $10B–100B peers · California median 1.14%
Rank in California
#4
of 117 banks

How Citizens Business Bank, National Association compares to California peers

Capital ratio
Top 11% of $10B–100B peers
Citizens Business
14.8%
California median
11.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 39% of $10B–100B peers
Citizens Business
1.3%
California median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Citizens Business Bank, National Association

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (14.8% capital ratio)
  • Strongly profitable (ROA 1.34%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Citizens Business Bank, National Association over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (87)

  • 701 N Haven Ave, Ontario, CA 91764
  • 200 E Citrus Ave, Redlands, CA 92373
  • 1201 E Katella Ave, Orange, CA 92867
  • 1230 17th St, Bakersfield, CA 93301
  • 310 N Harbor Blvd, Fullerton, CA 92832
  • 800 Glenneyre St, Laguna Beach, CA 92651
  • 2650 E Imperial Hwy, Brea, CA 92821
  • 9754 Rush St, South El Monte, CA 91733
  • 973 E Badillo St, Covina, CA 91724
  • 970 W 190th St, Torrance, CA 90502
  • 4100 W Alameda Ave, Burbank, CA 91505
  • 100 E Huntington Dr, Monrovia, CA 91016
  • 9244 Sierra Ave, Fontana, CA 92335
  • 1 Civic Center Dr, La Canada Flintridge, CA 91011
  • 2800 N Hollywood Way, Burbank, CA 91505
  • 12070 Telegraph Rd, Santa Fe Springs, CA 90670
  • 1095 N Garey Ave, Pomona, CA 91767
  • 1555 E Highland Ave, San Bernardino, CA 92404
  • 200 S Main St, Corona, CA 92882
  • 818 N Mountain Ave, Upland, CA 91786
  • 12808 Central Ave, Chino, CA 91710
  • 3695 Main St, Riverside, CA 92501
  • 301 E Vanderbilt Way, San Bernardino, CA 92408
  • 1111 N Brand Blvd, Glendale, CA 91202
  • 850 E Las Tunas Dr, San Gabriel, CA 91776
  • 77 Plaza Sq, Orange, CA 92866
  • 5060 California Ave, Bakersfield, CA 93309
  • 1613 Inyo St, Delano, CA 93215
  • 23046 Avenida De La Carlota, Laguna Hills, CA 92653
  • 625 Fair Oaks Ave, South Pasadena, CA 91030
  • 42548 10th St W, Lancaster, CA 93534
  • 19197 Town Center Dr, Apple Valley, CA 92308
  • 30100 Town Center Dr, Laguna Niguel, CA 92677
  • 1901 E Prosperity Ave, Tulare, CA 93274
  • 1401 Dove St, Newport Beach, CA 92660
  • 1800 N Sepulveda Blvd, Manhattan Beach, CA 90266
  • 3260 Telegraph Rd, Ventura, CA 93003
  • 387 Diablo Rd, Danville, CA 94526
  • 275 Main St, El Segundo, CA 90245
  • 7733 N Fresno St, Fresno, CA 93720

Are deposits at Citizens Business Bank, National Association insured?

Yes. Citizens Business Bank, National Association is an FDIC-insured bank (FDIC certificate #21716). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Citizens Business Bank, National Association: frequently asked questions

Is Citizens Business Bank, National Association a good bank?

Citizens Business Bank, National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.8% capital ratio); Strongly profitable (ROA 1.34%).

Is Citizens Business Bank, National Association FDIC-insured?

Yes. Citizens Business Bank, National Association is a FDIC-insured bank (FDIC certificate #21716). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Citizens Business Bank, National Association?

Citizens Business Bank, National Association holds $15.5 billion in total assets, ranking 4th of 117 banks we track in California. It operates 87 branches.

Does Citizens Business Bank, National Association have CFPB complaints?

No CFPB complaints against Citizens Business Bank, National Association appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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