Side-by-side · Q2 2026 data
Citizens Business Bank, National Association vs American Continental Bank
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Metric by metric
| Measure | Citizens Business Bank, National Association | American Continental Bank |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 67 | 80 (stronger) |
| Funding & liquidity | 44 | 59 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 83rd | 91st |
| Total assets | $21.2B | $385.3M |
| Deposits / shares | $16.4B | $316.7M |
| Capital ratio | 11.41% | 16.23% (stronger) |
| Problem loans | 0.14% (stronger) | 0.37% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.18% | 1.49% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 89.2% |
| Uninsured deposits | 54.2% | 25.8% (stronger) |
| Offices | 82 | 5 |
| CFPB complaints (3 yrs) | 21 | — |
| Complaints per $1B deposits | 1.3 | — |
| Mortgage denial rate (HMDA) | 8.1% | 6.4% |
American Continental Bank has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Business Bank, National Association leads on 2 and American Continental Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.