🏦Bank Scorer

CITIZENS BUSINESS BANK

ONTARIO, CA · Supervised by FDIC

Est. 1974FDIC #21,716RSSD: FDIC-21716
Part ofCVB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

701 N Haven Ave, ONTARIO, CA

County

San Bernardino County

Established

August 9, 1974

Total Assets

$15.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$15.5B

Total Deposits

$12.0B

Net Loans

$8.6B

Net Income

$52M

ROA

1.34%

ROE

9.12%

Risk-Based Capital

16.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate10.29%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

67

Branch Deposits

$12.0B

1-Year Change

+1

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246850%10.29%
202310756.07%13.08%
202221265.09%15.09%
202121761.75%12.90%
202020569.76%12.20%
201915273.68%9.21%
201818365.57%11.48%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/8c7ba101-5442-422b-b6a9-3ce6c88a5ebf"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: