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City National Bank
Los Angeles, CA·FDIC Cert #17281·Charter: OCC·Est. 19531204.0·HC: ROYAL BANK OF CANADA
Total Assets
$98.4B
Q4 2025
Return on Assets
0.95%
+0.05%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.09%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.95%+0.05
ROE
7.63%+0.36
Efficiency
65.09%-0.89
Equity/Assets
0.00%+0.00
NPL Ratio
0.61%+0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.83%+4.92
Charge-offs
0.09%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.8 | 0.8 | 0.7 | 0.8 | 0.9 | 1.0 |
| ROE | 6.3 | 6.4 | 6.7 | 7.2 | 5.6 | 6.4 | 7.3 | 7.6 |
| Efficiency | 70.6 | 70.2 | 70.5 | 69.8 | 67.1 | 66.0 | 66.0 | 65.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.6 |
| Charge-offs | 0.0 | 0.2 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 81.5 | 82.2 | 80.8 | 81.3 | 82.5 | 82.7 | 81.9 | 86.8 |
Balance Sheet
Total Assets$98.4B
Total Deposits$78.5B
Total Loans$68.2B
Total Equity$12.4B
Profitability
ROA0.95%
ROE7.63%
Efficiency Ratio65.09%
Net Income$902.6M
Risk & Asset Quality
NPL Ratio0.61%
Charge-off Rate0.09%
Loan/Deposit86.83%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans