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City National Bank

$10B-$250B Specialty: Commercial CA FDIC cert 17281

Los Angeles, CA

71 branches across CA · NY · NV · GA · DC · FL · TN · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
  • Deposits +4.8% year over year ($81.5B on the books).
  • Delinquency rate 0.93%.
  • Return on assets 0.97%.
  • Efficiency ratio 65.81% vs a 53.67% peer average.
  • Loan-to-deposit ratio 83.99% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in CA
View $10B-$250B leaderboard (CA) →

City National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 42.4% in tier
  • - ROA 0.42% below tier average
  • - Net Interest Margin 0.68% below tier average
  • - Efficiency Ratio 12.14% above tier average
Get updates when City National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $99.1B
+5.2% YoY -0.8% QoQ
+$55.5B $43.6B
-13.8% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 10.1% in tier
Total Loans ? $68.5B
+6.5% YoY -0.5% QoQ
+$40.5B $28.0B
-8.6% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 7.2% in tier
Total Deposits ? $81.5B
+4.8% YoY +0.5% QoQ
+$46.1B $35.4B
-14.0% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 10.8% in tier
Return on Assets ? 0.97%
+21.4% YoY +30.8% QoQ
-0.42% 1.39%
+25.9% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.24%
+0.9% YoY +1.5% QoQ
-0.68% 3.92%
+8.9% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 65.81%
-0.2% YoY -3.2% QoQ
+12.14% 53.67%
-1.9% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 0.93%
+82.6% YoY +20.5% QoQ
-0.08% 1.01%
-2.8% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 83.99%
+1.6% YoY -1.0% QoQ
+1.38% 82.61%
+3.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 29.98%
-3.2% YoY +2.4% QoQ
+9.39% 20.58%
+4.9% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.64%
+83.5% YoY +20.9% QoQ
-0.09% 0.73%
+5.8% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 14.57%
-10.0% YoY -3.3% QoQ
-0.78% 15.35%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.41%
+8.3% YoY +128.2% QoQ
-0.08% 0.50%
+10.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 30.0%
-1.0pp YoY
+0.7pp QoQ
 +8.9pp 21.0% 25.5% 22.2% 79%
Brokered Deposits 15.6%
+2.0pp YoY
-0.6pp QoQ
 +6.4pp 9.2% 11.0% 8.5% 85%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 16.0%
-0.3pp YoY
+0.2pp QoQ
 -1.2pp 17.2% 11.8% 12.5% 52%
CRE 24.2%
-0.2pp YoY
+0.1pp QoQ
 -17.9pp 42.0% 67.5% 41.4% 17%
1-4 Family 37.9%
+0.8pp YoY
+0.7pp QoQ
 +14.7pp 23.1% 16.5% 31.3% 88%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -12.5pp 12.9% 5.3% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 14.6%
-1.6pp YoY
-0.5pp QoQ
 -0.7pp 15.3% 23.7% 19.7% 72%
Leverage Ratio 10.1%
-1.1pp YoY
-0.3pp QoQ
 -0.3pp 10.4% 14.5% 12.6% 48%
Total Capital Ratio 16.2%
-1.7pp YoY
-0.5pp QoQ
 -0.3pp 16.5% 25.1% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 7,782
-80 (-1.0%) YoY
-25 (-0.3%) QoQ
 +4,524 3,258 337 482 91%
Assets per Employee ($) $12.7M
+6.3% YoY
-0.5% QoQ
 -$14.3M $27.0M $11.3M $8.8M 54%
Branch Count 71
0 YoY
0 QoQ
 -67 137 15 18 45%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.4% 0.3% 0.4% 64%
Nonaccrual 0.8%
+0.4pp YoY
+0.1pp QoQ
 +0.1pp 0.7% 1.4% 1.0% 69%
Allowance Coverage 1.07x
-51.9% YoY
-20.2% QoQ
 -1.74x 2.81x 17.11x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.3% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 8.2%
+1.7pp YoY
+2.1pp QoQ
 -4.5pp 12.6% 8.2% 11.6% 18%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 2.0% 1.9% 1.7% 32%
Net Income ($, YTD) $480.2M
+29.1% YoY
— QoQ
 +$183.4M $296.8M $28.5M $40.4M 81%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#26 of 59 • Bottom 42.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

11
Total Loans
size
Value: $68.46B
Peer Median: $27.97B
#11 of 139 Top 7.2% in $10B-$250B
15
Total Assets
size
Value: $99.10B
Peer Median: $43.60B
#15 of 139 Top 10.1% in $10B-$250B
16
Total Deposits
size
Value: $81.51B
Peer Median: $35.42B
#16 of 139 Top 10.8% in $10B-$250B
28
Non-Interest-Bearing Deposit Share
funding
Value: 29.98%
Peer Median: 20.58%
#28 of 139 Top 19.4% in $10B-$250B

Top Weaknesses (2 metrics)

119
Efficiency Ratio
profitability
Value: 65.81%
Peer Median: 53.67%
#119 of 139 Bottom 15.1% in $10B-$250B
113
Return on Assets
profitability
Value: 0.97%
Peer Median: 1.39%
#113 of 139 Bottom 19.4% in $10B-$250B
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