BlastPoint's Banking Scorecard
Citizens Business Bank, National Association
Ontario, CA
87 branches across CA
Citizens Business Bank, National Association has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.95% below tier average
- + Non-Interest-Bearing Deposit Share 39.12% above tier average
- + Nonperforming Asset Ratio 0.68% below tier average
- + ROA 0.06% above tier average
- + Efficiency Ratio 10.40% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.5B
+1.6% YoY
-0.8% QoQ
|
-$31.5B |
$47.0B
-1.9% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$8.6B
+3.4% YoY
-0.7% QoQ
|
-$20.8B |
$29.4B
-0.4% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.6% in tier |
| Total Deposits ? |
$12.0B
-0.3% YoY
-1.0% QoQ
|
-$26.4B |
$38.4B
-1.6% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.34%
-3.1% YoY
-3.9% QoQ
|
+0.06% |
1.28%
+18.7% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.41%
+4.3% YoY
+1.6% QoQ
|
-0.36% |
3.77%
+5.8% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
43.61%
-0.6% YoY
+2.8% QoQ
|
-10.40% |
54.01%
-3.7% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.07%
-76.8% YoY
+32.0% QoQ
|
-0.95% |
1.02%
-3.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 3.7% in tier |
| Loan-to-Deposit Ratio ? |
71.34%
+3.7% YoY
+0.4% QoQ
|
-9.44% |
80.79%
+1.9% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
59.16%
-0.9% YoY
+5.5% QoQ
|
+39.12% |
20.04%
+0.2% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 0.1% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-76.1% YoY
+32.0% QoQ
|
-0.68% |
0.72%
+4.2% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Top 4.4% in tier |
| Tier 1 Capital Ratio ? |
16.06%
-1.8% YoY
+2.5% QoQ
|
+0.54% |
15.51%
-0.4% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.09%
-11.6% YoY
-77.9% QoQ
|
-0.13% |
0.22%
+0.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
26% |
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Signature Analysis
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Metric Rankings
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