Citizens Business Bank, National Association: how it compares with its peers
Against 96 U.S. banks with half to twice its assets, Citizens Business Bank, National Association's strongest measure in Q2 2026 is assets per employee ($17.5M vs. a $12.0M peer median). Its weakest relative measure is return on assets (1.18% vs. 1.21%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.21% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 3.66% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.52% | 55.30% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.5M | $12.0M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.44% | 86.03% | Context |
What it means for lending operations
Its efficiency ratio of 51.52% is better than the 55.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Merchants Bank of Indiana Carmel, IN · $21.17B
- Mechanics Bank Walnut Creek, CA · $21.25B
- First Merchants Bank Muncie, IN · $21.32B
- Seacoast National Bank Stuart, FL · $21.34B
- Optum Bank, Inc. Draper, UT · $21.43B
- The Central Trust Bank Jefferson City, MO · $20.31B
Questions about Citizens Business Bank, National Association
How big is Citizens Business Bank, National Association?
Citizens Business Bank, National Association, established in 1974, is headquartered in Ontario, CA. It reported $21.18B in total assets in its Q2 2026 FDIC call report and operates 87 offices.
What is Citizens Business Bank, National Association's return on assets?
1.18% annualized in Q2 2026, against a 1.21% median for 96 U.S. banks with half to twice its assets, ahead of 46% of them.
What is Citizens Business Bank, National Association's efficiency ratio?
51.52% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 55.30%, and lower is better.
Is Citizens Business Bank, National Association growing its loans?
Net loans grew 43.6% over the year to Q2 2026, while deposits grew 36.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.