Citizens Business Bank, National Association vs Farmers & Merchants Bank Of Central California
Comparing a Bank in Ontario, CA with a Bank in Lodi, CA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Citizens Business Bank, National Association ↗ Bank · Ontario, CA · Est. 1974 | Farmers & Merchants Bank Of Central California ↗ Bank · Lodi, CA · Est. 1916 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Ontario, CA | Lodi, CA |
| Total assets | $15.5B | $5.8B |
| Capital ratio | 14.8% | 11.4% |
| Return on assets | 1.3% | 1.7% |
| Deposits | $12.0B | $5.1B |
| Branches | 87 | 34 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 117 | #1 of 117 |
| Established | 1974 | 1916 |
Citizens Business Bank, National Association
- Assets: $15.5B
- Deposits: $12.0B
- Capital ratio: 14.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 117
Farmers & Merchants Bank Of Central California
- Assets: $5.8B
- Deposits: $5.1B
- Capital ratio: 11.4%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 117
Are both institutions federally insured?
Yes. Citizens Business Bank, National Association is FDIC-insured and Farmers & Merchants Bank Of Central California is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Citizens Business Bank, National Association or Farmers & Merchants Bank Of Central California?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Citizens Business Bank, National Association scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Citizens Business Bank, National Association safe?
Yes — Citizens Business Bank, National Association is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Farmers & Merchants Bank Of Central California safe?
Yes — Farmers & Merchants Bank Of Central California is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Citizens Business Bank, National Association vs Farmers & Merchants Bank Of Central California?
Citizens Business Bank, National Association has a capital ratio of 14.8%, placing it in the top 11% of $10B–100B peers. Farmers & Merchants Bank Of Central California's ratio is 11.4%, placing it in the top 31% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens Business Bank, National Association have compared to Farmers & Merchants Bank Of Central California?
The CFPB database shows 0 complaints against Citizens Business Bank, National Association, and 0 complaints against Farmers & Merchants Bank Of Central California. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Citizens Business Bank, National Association with other Banks in California
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
