Compared with California
12 of 23
compared fees are above the median.
8 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
60th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 23 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Citizens Business Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens Business Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.3% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (60th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5.9M in Q2 2026, 12% above the same quarter a year earlier ($5.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 23 compared published fees sit above the California median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $11, the middle of its prices
Overdraft (OD)
Non-Network ATM
Compared at $2.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 14% from Q3 2025 to Q2 2026, to $5.9M. Its share of revenue, 3.3%, is above the 2.9% median for banks with $10B to $50B in assets.
$5.9M
Citizens Business Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $2 to $7.50; we compare the midpoint. Monthly maintenance: Listed at $0 to $20; we compare the midpoint.
Citizens Business Bank, National Association · $21.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citizens Business Bank, National Association(this institution) | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apple Bank | New York, NY | $19.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Beacon Bank and Trust | Brookline, MA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank, National Association | Canton, NY | $17.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Enterprise Bank & Trust | Clayton, MO | $17.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank | Cincinnati, OH | $22.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Merchants Bank | Muncie, IN | $21.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Puerto Rico | Santurce, PR | $19.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Mechanics Bank | Walnut Creek, CA | $21.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Seacoast National Bank | Stuart, FL | $21.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stifel Bank and Trust | Saint Louis, MO | $19.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Central Trust Bank | Jefferson City, MO | $20.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Third Federal Savings and Loan Association of Cleveland | Cleveland, OH | $18.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Toyota Financial Savings Bank | Henderson, NV | $16.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $11, the middle of its eight prices, against a peer median of $9.95 among 15 publishing peers.
Its eight checking prices are $0, $2, $3, $8, $10, $12, $12 and $15.
$11 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens Business Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.9M | +$803K | +15.8% |
| Q1 2026 | $5.1M | +$47K | +0.9% |
| Q4 2025 | $5.0M | −$120K | −2.3% |
| Q3 2025 | $5.2M | −$97K | −1.8% |
| Q2 2025 | $5.3M | +$80K | +1.5% |
| Q1 2025 | $5.2M | −$201K | −3.7% |
| Q4 2024 | $5.4M | −$37K | −0.7% |
| Q3 2024 | $5.4M | +$62K | +1.2% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Citizens Business Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens Business Bank, National Association by share.
Amounts from Citizens Business Bank, National Association’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Limited Checking Monthly Service Charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Personal Checking (continued) Monthly Service Charge | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Personal Checking (continued) Monthly Service Charge | $18Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Personal Checking Monthly Service Charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premium Checking Monthly Service Charge | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Excess Debit Fee | $15Above the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Excess Debit Fee (over 6) | $5Not compared: Monthly charge, not per item | per month | None |
| Excess Debit Fee (over 6) | $15Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail | No chargeBelow the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/UCF Item Paid Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Transfer (from Checking or Savings) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Cash Withdrawal | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Consumer Debit Card | $7.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Balance Inquiry | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Additional/Replacement Debit | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM/Personal Debit Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Order | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| International Transaction | $2.50Above the U.S. middle 50% ($0 to $2.38 nationally) | per item | None |
Wire Transfers | |||
| Electronic Wire Notification Incoming | $15Not compared: Daily charge, not per item | per day | None |
| Wire Notification – Incoming | $8Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer - Incoming | $10Not compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Official Check / Cashier’s Check | $15Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check-Customer (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check/Cashier’s Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment - Associate Assisted | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment - Online or IVR | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing: Non-customer – Customer Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| With Check Images (Image Statement) | $5Not compared: Monthly charge, not per item | per month | None |
| Without Check Images | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
| Mobile Deposit | $110Not compared: Annual charge, not per item | per year | None |
Cash & Deposit | |||
| Returned Deposited Items: ACH | $8Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Deposited Items: Checks/Drafts | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Deposited Items: Redeposit | $17Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Key Replacement | $20Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 x 10 | $140Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10 x 15 | $250Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 12 x 11 | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 13 x 10 | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 18 x 18 | $245Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2 x 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 22 x 15 | $350Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 36 x 36 | $550Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 10 | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 11 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 44 x 15 | $450Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6 x 10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 9 x 10 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Process Handling | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Termination Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| International Courier | $75Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| U.S. Overnight Courier | $30Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Photocopies | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Citizens Business Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
83 offices in 1 state, $16.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 34 | $6.6B | |
| 10 | $2.9B | |
| 6 | $2.4B | |
| 10 | $2.3B | |
| 3 | $611.4M | |
| 3 | $457.0M | |
| 4 | $452.7M | |
| 4 | $356.3M |
Los Angeles-Long Beach-Anaheim, CA
1% of bank deposits, #18 of 107, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.1% |
| Bank of America, National Association | 15.7% |
| Wells Fargo Bank, National Association | 13.3% |
| City National Bank | 8% |
| East West Bank | 6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Los Angeles-Long Beach-Anaheim, CA, Citizens Business Bank, National Association holds 1% of bank deposits, #18 of 107, with 34 offices.
900 offices of 17 institutions shown.
Showing 900 of 2,362 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 107 institutions shown. $667.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1% share, 34 offices, #18 of 107
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
475 offices of 117 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
7 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 2 |
| Closing an account | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Improper use of your report | 1 |
| Problem with a lender or other company charging your account | 1 |
| Problem with a purchase shown on your statement | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
CVB FINANCIAL CORP (Nasdaq: CVBF)
Consolidated assets
$21.2B
Shareholders' equity
$3.2B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 354647. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.