This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
San Francisco, CA
Health score
80.5
Total assets
$14.8B
Bank
Ontario, CA
Health score
74.7
Total assets
$21.2B
Answer first
Bank of America California, National Association leads on financial health and capitalization; Citizens Business Bank, National Association leads on profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Category leaders
Financial health
Bank of America California, National Association
Higher TFS health score
Capitalization
Bank of America California, National Association
Higher comparable capital ratio
Profitability
Citizens Business Bank, National Association
Higher return on assets
Lending quality
Citizens Business Bank, National Association
Lower problem-loan measure
Growth
Citizens Business Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bank of America California, National Association | Citizens Business Bank, National Association |
|---|---|---|
| TFS health score | 80.5/100Leads | 74.7/100 |
| Total assets | $14.8B | $21.2B |
| Total deposits / shares | $12.3B | $16.4B |
| Tier 1 capital ratio | 12.41%Leads | 11.41% |
| Return on assets | 0.77% | 1.18%Leads |
| Return on equity | 6.06% | 8.05% |
Bank of America California, National Association
1 branches
Citizens Business Bank, National Association
70 branches
Both institutions report branches in 1 state: CA.
Bank of America California, National Association
Unavailable
Citizens Business Bank, National Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Bank of America California, National Association
0 in TFS registry
Citizens Business Bank, National Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Bank of America California, National Association score | Bank of America California, National Association ROA | Citizens Business Bank, National Association score | Citizens Business Bank, National Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.36% | — | 1.28% |
| 2024-Q4 | — | 0.45% | — | 1.30% |
| 2025-Q1 | — | 0.55% | — | 1.38% |
| 2025-Q2 | — | 0.58% | — | 1.37% |
| 2025-Q3 | — | 0.52% | — | 1.37% |
| 2025-Q4 | — | 0.54% | — | 1.39% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
Capital and asset-quality definitions are directly comparable for this pair.
| Non-performing loans | 0.66% | 0.14%Leads |
| Net charge-offs | -0.02%Leads | 0.00% |
| Efficiency ratio | 42.96%Leads | 51.52% |
| Loan-to-deposit ratio | 76.58% | 72.44% |
| Asset growth (YoY) | -1.13% | 37.39%Leads |
| Deposit / share growth (YoY) | -2.33% | 36.33%Leads |
| Branches | 1 | 70 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 75.1/100 |
| 0.73% |
| 86.3/100 |
| 1.34% |
| 2026-Q2 | 80.5/100 | 0.77% | 74.7/100 | 1.18% |