BlastPoint's Banking Scorecard
Citizens Business Bank, National Association
Mid-Market
Specialty: Commercial
CA
FDIC cert 21716
Ontario, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Citizens Business Bank, National Association demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Non-Interest-Bearing Deposit Share 35.44% above tier
- + Nonperforming Asset Ratio 0.47% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.6B
+3.1% YoY
-0.2% QoQ
|
+$5.2B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$8.6B
+2.0% YoY
+2.7% QoQ
|
+$1.5B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$12.1B
+1.0% YoY
-0.4% QoQ
|
+$3.6B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.39%
+6.8% YoY
+1.4% QoQ
|
+0.23% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.36%
+6.4% YoY
+1.9% QoQ
|
-0.03% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
42.42%
+1.8% YoY
+0.1% QoQ
|
-14.19% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.05%
-83.5% YoY
-83.6% QoQ
|
-0.63% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
71.09%
+0.9% YoY
+3.1% QoQ
|
-14.38% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
56.08%
-4.3% YoY
-5.8% QoQ
|
+35.44% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-90.0% YoY
-82.9% QoQ
|
-0.47% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
15.66%
-2.2% YoY
-3.0% QoQ
|
+2.11% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.42%
-23.2% YoY
+27.2% QoQ
|
-0.54% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 7%
in Mid-Market
Why this stands out
Current:
0.05%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Mid-Market
Why this stands out
Current:
56.08%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
0.03%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 56.08% · Tier avg: 20.64%
93
93th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Efficiency Ratio
Current: 42.42% · Tier avg: 56.60%
86
86th pctile
Tier 1 Capital Ratio
Current: 15.66% · Tier avg: 13.55%
84
84th pctile
Loan-to-Deposit Ratio
Current: 71.09% · Tier avg: 85.47%
82
82th pctile
Total Assets
Current: $15.6B · Tier avg: $10.5B
80
80th pctile
Total Deposits
Current: $12.1B · Tier avg: $8.5B
75
75th pctile
Total Loans
Current: $8.6B · Tier avg: $7.1B
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
41
41th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.40%
26
26th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.96%
Top Weaknesses
26
26th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.96%
41
41th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.40%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
75
75th pctile
Total Loans
Current: $8.6B · Tier avg: $7.1B
80
80th pctile
Total Deposits
Current: $12.1B · Tier avg: $8.5B
82
82th pctile
Total Assets
Current: $15.6B · Tier avg: $10.5B
84
84th pctile
Loan-to-Deposit Ratio
Current: 71.09% · Tier avg: 85.47%
86
86th pctile
Tier 1 Capital Ratio
Current: 15.66% · Tier avg: 13.55%
88
88th pctile
Efficiency Ratio
Current: 42.42% · Tier avg: 56.60%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 56.08% · Tier avg: 20.64%