# CITIZENS BUSINESS BANK NA
ONTARIO, CA · FDIC certificate 21716 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $21.18B | |
| Deposits | $16.41B | |
| Loans and leases | $12.02B | |
| Total equity | $3.11B | |
| Loans / deposits | 72.44% (p20 of band) | 85.78% |
| Liquid assets / assets | 32.08% (p80 of band) | |
| Uninsured deposits / deposits | 54.18% (p92 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.02% (p37 of band) | |
| FHLB advances / assets | 2.36% | |
| Tier 1 leverage | 11.41% (p80 of band) | 10.17% |
| Unrealized securities loss / equity | -22.08% (p10 of band) | -7.43% |
| AOCI / equity | -0.01% (p78 of band) | |
| ROA (annualized) | 1.18% (p42 of band) | 1.24% |
| Net interest margin | 3.66% (p56 of band) | 3.57% |
| Efficiency ratio | 51.52% (p39 of band) | |
| Noncurrent loans | 0.14% (p9 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 761.09% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 6.88% (p21 of band) | |
| Auto loans | $731,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $37.4M (1% of equity) (p27 of band) | |
| Deposits YoY | 36.3% | |
| Employees | 1211 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | wholesale funding >15% |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | wholesale funding >15% |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 | uninsured deposits >50% | wholesale funding >15%, capital falling |
| 2014-06 | 0 |  | uninsured deposits >50% |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits >50% |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  | AOCI drag >20% of equity |
| 2023-03 | 4 | deposits shrinking, assets shrinking |  |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | wholesale funding >15% | deposits shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | wholesale funding >15% |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 |  | securities losses >30% of equity |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-03-18 [CVB Financial Corp. Announces 146th Consecutive Quarterly Cash Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNMDBfMEgtUnRMeC1wSWhCbFpHSDFER1RfbE1sbGg4RmdSWTJadFpyUW9VVURPd3VtWlRpc0x4VmRHOVRTRWJtMUlBOEVNX28tOWFsMjdPVzR6cW5JWEZwSmtZSFZ0Z1UyaEpNRXFSRzZ2MzdmbVB4Z1ZHelppcVh5OUlhc2IxdHhfWGgtVDBrQ2cxTUxndXJLU3Q0ZUUtUEMwcXRINGNEbkZQZzhaWkVXdWhjc1BTdVp5c0UzN05JUnZJamFJNUpYZTRBM0lNcmlHWlViODlyTkZkZw?oc=5) · GlobeNewswire
- 2026-01-15 [West Sacramento Breaks Ground on $27.7M Affordable Housing Project - davisvanguard.org](https://news.google.com/rss/articles/CBMic0FVX3lxTE1nRHNaR0VSNVhaV3VSQzB0TkhWb21yb0NmN3p0eTZna3REWUlmZ2lLbnRlVDgxNmpHdUY2c1hLeS1JWDBNejlKWXVrelRpYmVtVms2cml5MDhOQWY4QS1wbnNxMnFNTDN2OGc0dmdQTTAzNTQ?oc=5) · davisvanguard.org
- 2026-01-16 [West Sacramento celebrates groundbreaking of River Grove Apartments - Daily Democrat](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWWlNQ1ZYZTAydW5nTmxPbHUycUhGdzVkd05TNFg2ZDhGVFQzRmJQdlRObXluTU11dEhvRzEzM1VXRG5JeENOVHlrbTQ0b2pCVlM5ZHRMZUhlQVdCRXpGUUp0anNRMzdfdW03UlpJdXVkZlZBS1BJdmFFaXhzTWp2R05DZEt5NGFQcEhaaUh3TDZsaXVHeXRUVHNyNkttM2hwLU9fMWpsOVBqRC1RZVE?oc=5) · Daily Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21716 (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/20.json (key "21716", 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.

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