Side-by-side · Q2 2026 data
Mechanics Bank vs Citizens Business Bank, National Association
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Metric by metric
| Measure | Mechanics Bank | Citizens Business Bank, National Association |
|---|---|---|
| TellerScore | 65 | 73 (stronger) |
| Capital cushion | 44 | 64 (stronger) |
| Loan quality | 86 | 95 (stronger) |
| Earnings | 60 | 67 (stronger) |
| Funding & liquidity | 55 (stronger) | 44 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 54th | 83rd |
| Total assets | $21.2B | $21.2B |
| Deposits / shares | $18.1B | $16.4B |
| Capital ratio | 9.38% | 11.41% (stronger) |
| Problem loans | 0.41% | 0.14% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 0.99% | 1.18% (stronger) |
| Loans ÷ deposits | 74.2% | 72.4% (stronger) |
| Uninsured deposits | 42.9% (stronger) | 54.2% |
| Offices | 166 | 82 |
| CFPB complaints (3 yrs) | — | 21 |
| Complaints per $1B deposits | — | 1.3 |
| Mortgage denial rate (HMDA) | 20.1% | 8.1% |
Citizens Business Bank, National Association has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 1 and Citizens Business Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bakersfield, CA
- San Diego, CA
- Santa Barbara, CA
- Ventura, CA
- Burbank, CA
- Los Angeles, CA
- Lodi, CA
- Modesto, CA
- Newport Beach, CA
- Oakland, CA
- Oxnard, CA
- Pasadena, CA
- Riverside, CA
- San Francisco, CA
- San Rafael, CA
- Tulare, CA
- Visalia, CA
- Walnut Creek, CA
- Westlake Village, CA
- Yuba City, CA
- Camarillo, CA
- Danville, CA
- Fontana, CA
- Fresno, CA
- Hollister, CA