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Citizens Business Bank, National Association
Ontario, CA·FDIC Cert #21716·Charter: OCC·Est. 19740809.0·HC: CVB FINANCIAL CORP
Total Assets
$15.6B
Q4 2025
Return on Assets
1.39%
+0.02%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
42.42%
Peer avg: 54.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.39%+0.02
ROE
9.65%+0.12
Efficiency
42.42%+0.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.05%-0.28
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
71.09%+2.17
Charge-offs
-0.01%-0.00
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 | 1.2 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 |
| ROE | 9.7 | 9.8 | 9.8 | 9.8 | 9.6 | 9.5 | 9.5 | 9.7 |
| Efficiency | 44.4 | 43.5 | 42.5 | 41.7 | 43.9 | 43.5 | 42.4 | 42.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.1 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.0 | -0.0 | 0.0 | -0.0 | -0.0 |
| Loan/Deposit | 72.7 | 72.6 | 70.0 | 70.4 | 68.8 | 68.8 | 68.9 | 71.1 |
Balance Sheet
Total Assets$15.6B
Total Deposits$12.1B
Total Loans$8.6B
Total Equity$2.3B
Profitability
ROA1.39%
ROE9.65%
Efficiency Ratio42.42%
Net Income$214.7M
Risk & Asset Quality
NPL Ratio0.05%
Charge-off Rate-0.01%
Loan/Deposit71.09%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans