BlastPoint's Banking Scorecard

Citizens Business Bank, National Association

$10B-$250B Specialty: Commercial CA FDIC cert 21716

Ontario, CA

87 branches across CA

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 +36.3% year over year ($16.4B on the books).
Delinquency rate 0.14%.
Return on assets 1.18%.
Efficiency ratio 51.52% vs a 53.67% peer average.
Loan-to-deposit ratio 72.44% 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) →

Citizens Business Bank, National Association has 4 strengths but faces 3 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 0.87% below tier average
+ Non-Interest-Bearing Deposit Share 31.86% above tier average
+ Nonperforming Asset Ratio 0.65% below tier average
+ Efficiency Ratio 2.15% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 25.0% in tier
- ROA 0.21% below tier average
- Net Interest Margin 0.26% below tier average

Get updates when Citizens Business Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$21.2B +37.4% YoY +36.6% QoQ	-$22.4B	$43.6B -13.8% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$11.9B +43.6% YoY +38.9% QoQ	-$16.1B	$28.0B -8.6% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$16.4B +36.3% YoY +36.7% QoQ	-$19.0B	$35.4B -14.0% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	39%
Return on Assets ?	1.18% -13.5% YoY -11.6% QoQ	-0.21%	1.39% +25.9% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	3.66% +11.5% YoY +7.1% QoQ	-0.26%	3.92% +8.9% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	51.52% +18.5% YoY +18.1% QoQ	-2.15%	53.67% -1.9% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.14% -55.4% YoY +95.1% QoQ	-0.87%	1.01% -2.8% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 5.8% in tier
Loan-to-Deposit Ratio ?	72.44% +5.3% YoY +1.5% QoQ	-10.17%	82.61% +3.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	52.44% -12.9% YoY -11.4% QoQ	+31.86%	20.58% +4.9% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.08% -53.9% YoY +94.3% QoQ	-0.65%	0.73% +5.8% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 7.2% in tier
Tier 1 Capital Ratio ?	14.33% -12.1% YoY -10.8% QoQ	-1.02%	15.35% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.15% -25.4% YoY +60.1% QoQ	-0.35%	0.50% +10.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	16%

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	52.4% -7.8pp YoY -6.7pp QoQ	+31.4pp	21.0%	25.5%	22.2%	99%
Brokered Deposits	n/a	n/a	9.2%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	10.0% +2.0pp YoY +1.8pp QoQ	-7.2pp	17.2%	11.8%	12.5%	24%
CRE	76.9% 0.0pp YoY +0.6pp QoQ	+34.9pp	42.0%	67.5%	41.4%	98%
1-4 Family	6.4% +0.2pp YoY +0.6pp QoQ	-16.8pp	23.1%	16.5%	31.3%	12%
Consumer	0.2% +0.1pp YoY +0.1pp QoQ	-12.7pp	12.9%	5.3%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	14.3% -2.0pp YoY -1.7pp QoQ	-0.9pp	15.3%	23.7%	19.7%	68%
Leverage Ratio	11.4% -0.3pp YoY -0.3pp QoQ	+1.0pp	10.4%	14.5%	12.6%	79%
Total Capital Ratio	14.9% -2.2pp YoY -1.9pp QoQ	-1.6pp	16.5%	25.1%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	1,211 +161 (+15.3%) YoY +183 (+17.8%) QoQ	-2,047	3,258	337	482	25%
Assets per Employee ($)	$17.5M +19.1% YoY +15.9% QoQ	-$9.5M	$27.0M	$11.3M	$8.8M	68%
Branch Count	87 +17 (+24.3%) YoY +17 (+24.3%) QoQ	-51	137	15	18	52%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.3%	0.4%	n/a
Nonaccrual	0.1% -0.2pp YoY +0.1pp QoQ	-0.6pp	0.7%	1.4%	1.0%	10%
Allowance Coverage	7.61x +153.4% YoY -41.7% QoQ	+4.80x	2.81x	17.11x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.3%	0.2%	7%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	8.1% -1.4pp YoY -1.1pp QoQ	-4.6pp	12.6%	8.2%	11.6%	16%
Cost of Funds (YTD)	0.9% 0.0pp YoY 0.0pp QoQ	-1.1pp	2.0%	1.9%	1.7%	4%
Net Income ($, YTD)	$103.0M -1.3% YoY — QoQ	-$193.8M	$296.8M	$28.5M	$40.4M	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Cost Spiral

risk

#4 of 12 • Bottom 25.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 51.52%

(Tier: 53.67%, National: 70.05%)

better than tier avg

12 of 12 Large banks match · 184 nationally

→ Stable +9 banks QoQ

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).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 52.44%

Peer Median: 20.58%

#1 of 139 Top 0.1% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 1.01%

#9 of 138 Top 5.8% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.73%

#11 of 139 Top 7.2% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 72.44%

Peer Median: 82.61%

#28 of 139 Top 19.4% in $10B-$250B

Top Weaknesses (1 metrics)

118

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.50%

#118 of 139 Bottom 15.8% in $10B-$250B