TellerScore

City National Bank is a national bank headquartered in Los Angeles, California, in business for about 73 years. At the end of Q2 2026 it reported $99.1B in total assets and $81.5B in deposits, with 71 offices across 8 states.

City National Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 132 banks with $10 billion – $100 billion. Among 116 banks headquartered in California, it ranks 89th. Problem-loan coverage contributes the most (89/100, 5.3%); funding & liquidity contributes the least (31/100, 84% loans-to-deposits, 55% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 84.0% · 55.4% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.34%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (63 → 58), mostly because the loan quality component weakened by 14 points.

TellerScore
586265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202463
Q4 202463
Q1 202563
Q2 202563
Q3 202565
Q4 202563
Q1 202658
Q2 202658
Tier 1 leverage ratio
5.00%8.16%11.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.52%
Q3 202410.75%
Q4 202410.65%
Q1 202511.12%
Q2 202511.22%
Q3 202511.33%
Q4 202511.14%
Q1 202610.37%
Q2 202610.08%
Noncurrent loans
0.46%0.69%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.46%
Q4 20240.46%
Q1 20250.47%
Q2 20250.50%
Q3 20250.46%
Q4 20250.61%
Q1 20260.77%
Q2 20260.92%
Return on assets
0.69%0.83%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.73%
Q3 20240.77%
Q4 20240.84%
Q1 20250.69%
Q2 20250.80%
Q3 20250.90%
Q4 20250.95%
Q1 20260.74%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$99.1B10.08%0.92%0.97%84.0%
Q1 202658$99.9B10.37%0.77%0.74%84.9%
Q4 202563$98.4B11.14%0.61%0.95%86.8%
Q3 202565$96.5B11.33%0.46%0.90%81.9%
Q2 202563$94.2B11.22%0.50%0.80%82.7%
Q1 202563$93.1B11.12%0.47%0.69%82.5%
Q4 202463$92.2B10.65%0.46%0.84%81.3%
Q3 202463$92.1B10.75%0.46%0.77%80.8%
Q2 202461$92.2B10.52%0.55%0.73%82.2%

132 peers · $10 billion – $100 billion

How it compares with peers

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

Capital ratio10.08%
47th
Total risk-based capital16.25%
79th
Problem loans0.92%
26th
Net charge-offs0.03%
80th
Return on assets0.97%
24th
Net interest margin3.24%
31st
Efficiency ratio65.8%
14th
Loans to deposits84.0%
58th
Uninsured deposits55.4%
6th
Loan-loss reserves0.99%
31st
Texas ratio5.3%
30th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
East West BankBank Pasadena, CA70 out of 100, Strong$84.3B9.9%0.38%vs
Banc of CaliforniaBank Los Angeles, CA35 out of 100, Low$34.9B9.6%2.34%vs
Axos BankBank San Diego, CA71 out of 100, Strong$28.9B9.2%0.44%vs
Cathay BankBank Los Angeles, CA69 out of 100, Moderate$24.6B11.5%0.54%vs
Mechanics BankBank Walnut Creek, CA65 out of 100, Moderate$21.2B9.4%0.41%vs
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs

Deposit insurance

Is my money safe at City National Bank?

Yes. City National Bank is an FDIC-insured institution (FDIC certificate #17281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 55.4% of deposits ($45.2B) 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 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.25% (benchmark: 10%).

Check how much of your own balance is covered

71 locations

Branches

City National Bank lists 65 offices in 46 cities across 8 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
City National Bank
Former names
City National Bank of Beverly Hills
Type
National bank
FDIC certificate #
17281
RSSD ID
63069
Primary regulator
OCC
Holding company
Royal Bank of Canada
Established
December 4, 1953
Headquarters
555 S Flower St, Los Angeles, CA 90071
Employees
7,782

Quick answers

City National Bank: common questions

Is City National Bank FDIC insured?

Yes. City National Bank is an FDIC-insured institution (FDIC certificate #17281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is City National Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has City National Bank ever failed?

There is no failure record for FDIC certificate #17281 in the FDIC failed bank list.

How many branches does City National Bank have?

71 offices as of the latest FDIC data, in 8 states.

Nearby

Highest-scoring banks and credit unions with branches near Los Angeles

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs