The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 73).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in California

Yes. Citizens Business Bank, National Association is an FDIC-insured institution (FDIC certificate #21716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 54.2% of deposits ($8.9B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).

Check how much of your own balance is covered

Citizens Business Bank, National Association lists 82 offices in 73 cities. Most locations:

• Bakersfield, CA (3)
• Burbank, CA (2)
• El Segundo, CA (2)
• Los Angeles, CA (2)
• Orange, CA (2)
• San Bernardino, CA (2)
• San Diego, CA (2)
• Santa Ana, CA (2)
• Apple Valley, CA (1)
• Arcadia, CA (1)
• Brea, CA (1)
• Camarillo, CA (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 21 consumer complaints about CVB FINANCIAL CORP. to the company (7 in the last 12 months). 100.0% received a timely response. That is 1.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

In 2025, Citizens Business Bank, National Association reported 120 home-loan applications under HMDA (LEI 549300L36QZWPHM6FP31): 76 originated ($182,580,000 total), 7 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Citizens Business Bank, National Association

Former names

Chino Valley Bank; Citizens Business Bank

Type

National bank

FDIC certificate #

21716

RSSD ID

933966

Primary regulator

OCC

Holding company

Cvb Financial Corp

Established

August 9, 1974

Headquarters

701 N Haven Ave, Ontario, CA 91764

Website

www.cbbank.com

Employees

1,211