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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Citizens Business Bank N.A.

Ontario, California · $21.18B in assets · beside the 9 other California banks over $10B

The filing

73.2%
Loans / deposits
1st of 10
14.7%
Equity / assets
1st of 10
0.14%
NPA / loans
2nd of 10

Citizens Business Bank N.A. is the seventh largest of the 10 California banks over $10B, with $21.18B in assets at 30 June 2026. Loans are 73.2% of deposits, the lowest in the cohort against a median of 84.3%, and equity is 14.7% of assets, the highest in the cohort. Loans grew +43.8% in the year, 2nd of 10, and deposits grew 36.3%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.14% of the book, 2nd of 10 against a median of 0.49%; 0.03% is 30 to 89 days past due, and the allowance covers them 7.6 times. Commercial real estate is 52.6% of loans, 9th of 10 against a median of 38.5%, and 281% of capital, below the 300% screen, with construction at 10% against the 100% screen.

Return on assets is 1.03%, 4th of 10 against a median of 0.99%, on an efficiency ratio of 52.9%, 5th of 10. Five years ago it was 1.55%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 84.3% CB Citizens Business Bank N.A. 73.2% MB Mechanics Bank 75.1% FM Farmers & Merchants Bank Long Be 75.7% Bo Bank of America Ca N.A. 76.7% EW East West Bank 83.9% CN City National Bank 84.8% Bo Banc of California 89.0% Bo Bank of Hope 94.4% CB Cathay Bank 97.6% AB Axos Bank 100.5%
Loans, year over yearCA banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% AB Axos Bank +24.6% EW East West Bank +7.3% CN City National Bank +6.3% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% FM Farmers & Merchants Bank Long Be +2.7% Bo Banc of California +1.7% Bo Bank of America Ca N.A. -12.3%

SBA 7(a), FY2008 to FY2026

Citizens Business Bank N.A. is the 16th largest 7(a) lender into California of 512, with $1.12B across 1,754 loans, 1.7% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 32 of its 54 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$261M21st of 3081.3%-0.1 pts
Santa Clara, CA$91M4th of 1873.5%-0.1 pts
San Bernardino, CA$90M11th of 2132.5%+0.4 pts
Orange, CA$83M25th of 2561.1%+0.2 pts
Alameda, CA$71M6th of 1793.0%-0.2 pts
Contra Costa, CA$67M4th of 1544.9%-1.4 pts
San Francisco, CA$54M5th of 1403.8%-2.6 pts
Riverside, CA$53M17th of 2191.5%quiet FY2021
San Diego, CA$42M31st of 2380.8%quiet FY2019
Ventura, CA$37M8th of 1593.0%-1.0 pts
San Mateo, CA$31M6th of 1292.9%-1.4 pts
Tulare, CA$26M3rd of 846.1%-5.4 pts
Santa Cruz, CA$26M3rd of 775.5%thin
41 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services312$251M22.0%0.33%74th of 2,596
Manufacturing238$165M14.5%0.42%38th of 2,246
Retail trade195$111M9.7%0.18%103rd of 2,589
Health care & social assistance179$104M9.1%0.22%70th of 2,172
Wholesale trade137$89M7.8%0.35%54th of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Citizens Business Bank N.A.
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans CB Citizens Business Bank National A… 1.7% $1.12B · 1,754 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Citizens Business Bank N.A.RankCohort median
Total CRE against capital, the 300% screen281%8th of 10263%
Construction against capital, the 100% screen10%3rd of 1014%
Construction and land development, share of loans1.8%5th of 102.2%
Non-owner-occupied nonfarm nonresidential, share of loans40.6%9th of 1017.0%
Total CRE, the guidance definition, share of loans52.6%9th of 1038.5%
CRE growth over 36 months, the third prong+41.3%8th of 9+6.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City National Bank$99.10B1.0%65.9%0.92%0.03%1.0%84.8%11.4%
East West Bank$84.32B1.7%36.0%0.38%0.13%1.4%83.9%9.9%
Banc of California$34.90B-0.9%63.7%2.34%1.39%1.0%89.0%10.8%
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Bank of America Ca N.A.$14.81B0.7%43.0%0.66%-0.02%0.1%76.7%13.1%
Farmers & Merchants Bank Long Be$11.77B1.0%60.6%0.01%-0.03%1.3%75.7%13.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Citizens Business Bank N.A.Cohort median
20212026Change20212026Change
Loans$8.07B$12.02B+49%$12.51B$17.82B+42%
Deposits$12.72B$16.41B+29%$16.27B$19.61B+21%
NPA / loans0.10%0.14%+0.03 pts0.45%0.49%+0.05 pts
Efficiency39.1%52.9%+13.8 pts45.9%56.8%+10.9 pts
ROA1.55%1.03%-0.52 pts1.35%0.99%-0.36 pts

This read was prepared for Citizens Business Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Citizens Business Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks over $10B
Institution www.cbbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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