Citizens Business Bank NA (FDIC #21716): Bank Stress & Real-Estate Credit Exposure
Citizens Business Bank NA (FDIC Cert #21716): bank stress 50/100, moderate, STABLE over 7 days; parent CVB FINANCIAL CORP (CVBF).
Citizens Business Bank NA (#21716) lends in 22 counties across 1 state; Citizens Business Bank NA (#21716) reaches 1,210 ZIP codes: California 22 counties, 1,210 ZIPs.
Citizens Business Bank NA (#21716) largest markets: Los Angeles County, CA (6,992 branches, 304 ZIPs) (#21716), San Diego County, CA (232 branches, 116 ZIPs) (#21716), San Bernardino County, CA (800 branches, 100 ZIPs) (#21716), Orange County, CA (1,012 branches, 92 ZIPs) (#21716), Riverside County, CA (152 branches, 76 ZIPs) (#21716), Santa Clara County, CA (315 branches, 63 ZIPs) (#21716).
Citizens Business Bank NA (#21716) reports $21.18 billion in total assets; Citizens Business Bank NA (#21716) equity $3.11 billion (14.7% of Citizens Business Bank NA (#21716) assets); Citizens Business Bank NA (#21716) domestic deposits $16.41 billion; Citizens Business Bank NA (#21716) net income $103.0 million; Citizens Business Bank NA (#21716) return on assets 1.18%; Citizens Business Bank NA (#21716) return on equity 8.05%; Citizens Business Bank NA (#21716) net interest income $280.9 million; Citizens Business Bank NA (#21716) call report June 30, 2026.
Citizens Business Bank NA (#21716) noncurrent real-estate loans: none reported; Citizens Business Bank NA (#21716) net charge-offs on real estate 0.07%; Citizens Business Bank NA (#21716) residential charge-offs 0.06%.
Citizens Business Bank NA (#21716) net interest margin 3.66% against an eight-quarter Citizens Business Bank NA (#21716) average of 3.32% (Citizens Business Bank NA (#21716) compression -0.33 points); Citizens Business Bank NA (#21716) non-residential real estate 6.5% of equity; Citizens Business Bank NA (#21716) rate-exposure score 40/100, Citizens Business Bank NA (#21716) fixed-rate trap 40/100; Citizens Business Bank NA (#21716) risk type market signal; Citizens Business Bank NA (#21716) rate regime rates elevated; Citizens Business Bank NA (#21716) shares 5.3% below the 52-week high, Citizens Business Bank NA (#21716) equity trend weakening, Citizens Business Bank NA (#21716) snapshot October 19, 2026.
Citizens Business Bank NA (#21716) stress score moved from 45.3 on June 22, 2026 to 50.4 on October 19, 2026; Citizens Business Bank NA (#21716) ranged 45.3 to 50.4 over 116 snapshots.
Citizens Business Bank NA (#21716) alerts: 22 counties; top Citizens Business Bank NA (#21716) alert scores: San Francisco County, CA 39 (moderate); San Mateo County, CA 38 (moderate); Santa Barbara County, CA 38 (moderate); San Diego County, CA 38 (moderate); Riverside County, CA 38 (moderate).