Side-by-side · Q2 2026 data
Citizens Business Bank, National Association vs Pacific Alliance Bank
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Metric by metric
| Measure | Citizens Business Bank, National Association | Pacific Alliance Bank |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 64 | 84 (stronger) |
| Loan quality | 95 | 95 |
| Earnings | 67 | 82 (stronger) |
| Funding & liquidity | 44 | 63 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 83rd | 88th |
| Total assets | $21.2B | $454.4M |
| Deposits / shares | $16.4B | $369.2M |
| Capital ratio | 11.41% | 13.37% (stronger) |
| Problem loans | 0.14% (stronger) | 0.16% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.18% | 1.56% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 93.0% |
| Uninsured deposits | 54.2% | 19.2% (stronger) |
| Offices | 82 | 3 |
| CFPB complaints (3 yrs) | 21 | — |
| Complaints per $1B deposits | 1.3 | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Pacific Alliance Bank has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Business Bank, National Association leads on 2 and Pacific Alliance 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.