# CITY NATIONAL BANK
LOS ANGELES, CA · FDIC certificate 17281 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $99.10B | |
| Deposits | $81.51B | |
| Loans and leases | $69.14B | |
| Total equity | $11.28B | |
| Loans / deposits | 83.99% (p43 of band) | 85.78% |
| Liquid assets / assets | 26.40% (p64 of band) | |
| Uninsured deposits / deposits | 55.45% (p94 of band) | 38.39% |
| Brokered deposits | 12.87% | |
| Wholesale funding | 16.36% (p82 of band) | |
| FHLB advances / assets | 2.02% | |
| Tier 1 leverage | 10.08% (p47 of band) | 10.17% |
| Unrealized securities loss / equity | -7.59% (p48 of band) | -7.43% |
| AOCI / equity | -1.25% (p11 of band) | |
| ROA (annualized) | 0.97% (p25 of band) | 1.24% |
| Net interest margin | 3.24% (p32 of band) | 3.57% |
| Efficiency ratio | 65.81% (p86 of band) | |
| Noncurrent loans | 0.92% (p74 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p22 of band) | |
| Reserve coverage of noncurrent | 106.72% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 25.12% (p40 of band) | |
| Auto loans | $32,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.80B (69% of equity) (p84 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 7782 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 3 | leverage <7% |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 1 |  | leverage <7% |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 | expense ratio p90 | capital falling |
| 2016-06 | 2 | leverage <7% | expense ratio p90 |
| 2016-09 | 4 | brokered >10%, capital falling |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 1 |  | leverage <7%, brokered >10% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | capital falling |
| 2020-09 | 2 | loans-to-lenders >50% equity |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 5 | expense ratio p90, NIM <2.5% |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 | leverage <7% | loans-to-lenders >50% equity |
| 2021-12 | 3 |  | capital falling, leverage <7% |
| 2022-03 | 2 |  | expense ratio p90 |
| 2022-06 | 4 | securities losses >30% of equity, expense ratio p90 |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | wholesale funding >15%, deposits shrinking | NIM <2.5% |
| 2023-03 | 5 |  |  |
| 2023-06 | 6 | uninsured deposits leaving |  |
| 2023-09 | 4 | losing money | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2023-12 | 4 | brokered >10% | wholesale funding >15% |
| 2024-03 | 2 |  | expense ratio p90, losing money |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | expense ratio p90, loans-to-lenders >50% equity |  |
| 2025-03 | 3 |  | expense ratio p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | brokered >10% |
| 2026-03 | 5 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [City National Bank Bulks Up Private Banker Teams For California - Family Wealth Report](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQ0V4di1oUW1tdHlQZkRQLXlWN1JGSm51ZUgtVlktcVVLR0tHU1dPRURIUnJZSnA1UWFaTThINXdBWmFzeWdNZUI2NHgxc3lIaEdKQ1IyYldEQUJCNUFMVWh3R3c1THJvZndKSi1SUTJlZlp1bXNlS3lZNXQyWFlXWk9pUVdEcm0zZW5VWWphNVpxTDVyS0xrQU4weE9RS243STB4eTNzTmxZSG1maGhudA?oc=5) · Family Wealth Report
- 2026-08-25 [CITY NATIONAL BANK WELCOMES NEW CLASS OF PRIVATE BANKERS - PR Newswire](https://news.google.com/rss/articles/CBMisgFBVV95cUxPR3o3S1d3bUtSTVdVSFJpdk90QWRLVFRIZXhxVktDV0RubENiTjRsZTMtMkxSc2p2VjM3dnRxa1pNVTlabmE4WEY3QjFRT0NuUWNBOXZWd1B2b0xuZ1VWbFFOSXlXYXV5Z0E4Mi1VVm1DSTRZeFVPeW5MN0dfaFY1dWlrLUp3NXhZSEx6VTItWVhfSWtpdHJ4UW4wVGVtSkF5NHhEWUc5b05CcnFWTWdybHpB?oc=5) · PR Newswire
- 2026-09-08 [LA Galaxy, City National Bank Unveil First of Three Wildfire Recovery Mini-Pitches - TicketNews](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWDctSUJhdEdMeGRpVHloMzR6R1BMcFM0SFJMa1JYbUoxb2VOLU9KczJVcXE1d1lrTGc2YTRtV0RuRlY0VElBdDQ5UVNiSU9HeDhmYy1YVkxOWm54Z1pzNExWX0RVTWZINGRTY1I2dXNORmdsWnVRYzNYQ1RNRjRIMDYwdXBlU0NpUHlmYk9pUGtmeFRycTJnVw?oc=5) · TicketNews
- 2026-08-27 [Texas is on RBC's map to grow its City National Bank unit - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcWV3YVRieHd2ZjFtMUtVQzgtTFozbWJkMGNKNllHQldZX0tmanFHQmxEbm05WkcxUzFTM0FHRkRqaXVkSGlmcGpqeUFjVXpBVXdpczdHeGNEN3BvMUxldXpQbWZ0anpfUl80dkJrYnM4MlVLbEczeVhvXzBGdENGSUZ3YTl0S1lVMzdmMjRaTnIxUENNSnlV?oc=5) · American Banker
- 2026-08-27 [City National Bank beefs up private banking in the Bay Area amid AI boom - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPazI0SzFfd0xBY2VaVmc3TkN2eUdBUE5Xa3JFVVJ3cEJhQlBfMFRucHZ3a0o4S2xrSHRmcWFaS1NSM2FCYXNwSFRUcnBtbmNYSmFNX3o0N2E4NldQbmQ3TWNzSVAzeENSeHZkaGtWaFU1UHhrR2lBWUt0Ti1PbEt2SE9iZ3BPUjdTNVpJRnpBOUIwajZlZnpmblFkeW95XzdfTlI2WVgtNlQtQzdSUVNR?oc=5) · The Business Journals
- 2026-07-29 [City National Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9ZX21RNjFLY2FNa21MQzZMTHJPVmYwUlFjejNYZVlCWTlXejZjeEk5Q1MwZDFNLW5LVHdBTG1DODUyUllnU2VabG96ZWp1RHI4WDFMT1VsdHVnSlZfdm0tSEpuZU0yQ0k4VGl5UmdVbF9ybVoy?oc=5) · reveliolabs.com
- 2026-06-08 [Raymond James Snags $7M Team From RBC’s City National in California - AdvisorHub](https://news.google.com/rss/articles/CBMimAFBVV95cUxOWUw5ZWVEX18tdFB5YzZXdXFLUXQ3TUJuSVNnbmdRMkp0UlBrcGYzSlZROTFQZ0h2VzZnRG9nYkNvUEVDMWpRcXhNT2x5TEVOWGdIUFlRQ21kXzYwcGpleUNjTDN0UXNScWFXR3I5U3pjOWpCS3NnYU5CQ0RnUWhKb0V1cjhZNTlwQVFoWjVDYVVOZXl6TjJxNw?oc=5) · AdvisorHub
- 2026-07-21 [LINDSAY DUNN NAMED HEAD OF PERSONAL & BUSINESS BANKING AT CITY NATIONAL BANK - Morningstar](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNclpMY1Jtc0FDS2liRjJZQzN0NlVzV2FzUGU0LWpFRHFvaWJEN0U1anM4WEZDbEw0VmJUQ0tWdm5PLVd4T1dtQ0Q3T2czZ2RlWWVnQ284cGpSUWp0YjJGRkhrcUxGdU1uTnBrTTJkbXZzR1B4Nm8zRk8xbkZCUXBIV0hNRi1OeG1la2RDSFlPbFM5eHBUQzJVSDlkY0JESlJpZ3pmb18tT180NHJhUUI1R1piMWQ1NXBxbVdhcHJ6LW1kMWU2M3J4QnQ2eEJRcDI5?oc=5) · Morningstar

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17281 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "17281", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide