Citizens Business Bank
Citizens Business Bank offers a comprehensive range of business and personal banking services, lending solutions, and investment services, with a strong focus on cybersecurity and fraud prevention. Founded in 1974, the bank has grown to approximately $16 billion in assets and over 60 locations in California.
Business Banking Services
Citizens Business Bank offers a comprehensive suite of business banking services designed to support a wide range of financial needs. These services include checking, deposit, liquidity management, receivables, payables, and fraud prevention. The bank provides business insights, data management, and specialized industry expertise. Customers can benefit from online banking, Zelle® for small businesses, credit and debit cards, commercial cards, merchant solutions, and international services. These offerings help businesses manage their finances efficiently and effectively.
Personal Banking Services
Citizens Business Bank provides a broad array of personal banking services catering to individual financial needs. Services include personal checking and savings accounts, bill pay, fraud prevention, and credit and debit cards. The bank also offers online banking, certificates of deposit (CD), money market accounts, CDARS®, and retirement accounts (IRA). Customers can benefit from health savings accounts (HSA), safe deposit boxes, mobile banking, and Zelle® for personal banking. These services are designed to help individuals manage their personal finances conveniently and securely.
Lending Solutions
Citizens Business Bank offers various lending solutions to meet diverse financial requirements. These include commercial lending, revolving lines of credit, commercial real estate lending, term lending, home lending, and construction lending. The bank also provides asset-based lending, small business administration lending, equipment financing, dairy and livestock lending, agricultural lending, and C-PACE financing. These solutions are designed to support businesses and individuals in their growth and financial objectives.
Investment Services through CitizensTrust
Citizens Business Bank provides investment services through CitizensTrust. These services include asset management, charitable services, estate planning, business and succession services, financial planning, and personal investing. CitizensTrust also offers retirement planning to help clients secure their financial future. These investment services are tailored to meet the specific needs of each client, ensuring comprehensive financial management and planning.
Company History and Milestones
Founded in 1974, Citizens Business Bank has celebrated its 50th anniversary and has grown to approximately $16 billion in assets with over 60 banking locations throughout California. The bank has reported consistent profitability, with 188 consecutive quarters of profitability and 138 consecutive quarters of cash dividends paid as of Q1 2024. Citizens Business Bank is rated BBB+ with a strong rating outlook by Fitch Ratings in 2024 and received a five-star “Superior” rating from BauerFinancial in 2023. The bank's history reflects its stability and commitment to financial excellence.