BlastPoint's Banking Scorecard

Citizens Business Bank, National Association

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

Ontario, CA

87 branches across CA

135 banks in the $10B-$250B peer group nationally 10 in CA

Citizens Business Bank, National Association has 5 strengths but faces 1 concern

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 0.95% below tier average
+ Non-Interest-Bearing Deposit Share 39.34% above tier average
+ Nonperforming Asset Ratio 0.69% below tier average
+ ROA 0.05% above tier average
+ Efficiency Ratio 10.29% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.35% below tier average

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

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	-$31.9B	$47.4B -2.0% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	24%
Total Loans ?	$8.6B +3.4% YoY -0.7% QoQ	-$21.1B	$29.6B -0.4% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	Bottom 14.1% in tier
Total Deposits ?	$12.0B -0.3% YoY -1.0% QoQ	-$26.7B	$38.7B -1.6% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	20%
Return on Assets ?	1.34% -3.1% YoY -3.9% QoQ	+0.05%	1.28% +19.3% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	62%
Net Interest Margin ?	3.41% +4.3% YoY +1.6% QoQ	-0.35%	3.77% +5.6% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	43.61% -0.6% YoY +2.8% QoQ	-10.29%	53.90% -4.0% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	84%
Delinquency Rate ?	0.07% -76.8% YoY +32.0% QoQ	-0.95%	1.02% -4.1% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	Top 3.7% in tier
Loan-to-Deposit Ratio ?	71.34% +3.7% YoY +0.4% QoQ	-9.54%	80.88% +2.0% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	59.16% -0.9% YoY +5.5% QoQ	+39.34%	19.82% +0.3% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.04% -76.1% YoY +32.0% QoQ	-0.69%	0.73% +4.0% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	Top 4.4% in tier
Tier 1 Capital Ratio ?	16.06% -1.8% YoY +2.5% QoQ	+0.50%	15.56% -0.1% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.09% -11.6% YoY -77.9% QoQ	-0.13%	0.23% +0.9% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	24%

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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 (0)

No matched concern signatures this quarter

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 135 peers in $10B-$250B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 59.16%

Peer Median: 19.82%

#1 of 135 Top 0.1% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 1.02%

#6 of 134 Top 3.7% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.73%

#7 of 135 Top 4.4% in $10B-$250B

Efficiency Ratio

profitability

Value: 43.61%

Peer Median: 53.90%

#23 of 135 Top 16.3% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 16.06%

Peer Median: 15.56%

#24 of 135 Top 17.0% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 71.34%

Peer Median: 80.88%

#31 of 135 Top 22.2% in $10B-$250B

Top Weaknesses (4 metrics)

117

Total Loans

size

Value: $8.56B

Peer Median: $29.62B

#117 of 135 Bottom 14.1% in $10B-$250B

109

Total Deposits

size

Value: $12.00B

Peer Median: $38.75B

#109 of 135 Bottom 20.0% in $10B-$250B

104

Total Assets

size

Value: $15.51B

Peer Median: $47.36B

#104 of 135 Bottom 23.7% in $10B-$250B

103

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.23%

#103 of 135 Bottom 24.4% in $10B-$250B