City National Bank

555 S. Flower Street
Los Angeles, CA 90071

Phone: 800 773 7100


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17281
Date Established 1953
Assets $51.85 billion
Loans $36.30 billion
Deposits $40.99 billion
Capital $4.74 billion

City National Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 1953 and has approximately $51.85 billion in assets. Customers can open an account at one of its 83 branches.

For a more detailed analysis of City National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.20% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.13% $10,000 - Learn MoreShow Less
Special: 5 Mo CD
1.84% $10,000 - Learn MoreShow Less
6 Mo CD
0.40% $10,000 - Learn MoreShow Less
Special: 11 Mo CD
1.76% $10,000 - Learn MoreShow Less
12 Mo CD
0.80% $2,500 - Learn MoreShow Less
24 Mo CD
0.90% $2,500 - Learn MoreShow Less
36 Mo CD
1.04% $2,500 - Learn MoreShow Less
48 Mo CD
1.15% $2,500 - Learn MoreShow Less
60 Mo CD
1.25% $2,500 - Learn MoreShow Less

Fixed IRA
0.80% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Premium Checking 0.00% $50,000 $35.00 Learn MoreShow Less
Personal Checking Plus 0.01% $7,500 $25.00 Learn MoreShow Less
Personal Checking 0.05% $3,000 $20.00 Learn MoreShow Less

Loan Rates - September 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for City National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More
First Internet Bank
NMLS ID: 424182
3.780% 3.750% 0.38 $912 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to City National Bank
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Financial Details

City National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of City National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
City National Bank U.S. Bank Average
2.14% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, City National Bank had $109,886,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,743,607,000 in equity and $391,158,000 in loans loss reserves. That gives it a Texas Ratio of 2.14%.

Return on Equity
City National Bank U.S. Bank Average
12.28% 9.47%

City National Bank has a Return on Equity of 12.28% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

City National Bank U.S. Bank Average
9.15% 12.49%

City National Bank has a Capitalization of 9.15% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

City National Bank Balance Sheet Analysis

As of March 31, 2019, City National Bank had assets of $51,849,116,000, loans of $36,299,344,000, and deposits of $40,994,503,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.95 billion
Interest-bearing balances $0.50 billion
Total securities $12.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $36.30 billion
Loan loss allowance $0.39 billion
Trading account assets $0.12 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.56 billion
All other assets $1.49 billion
     Total Assets $47.11 billion
Total deposits $40.99 billion
      Interest-bearing deposits $18.43 billion
      Deposits held in domestic offices $40.99 billion
      % insured (estimated) 41.53%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.03 billion
Other borrowed funds $4.60 billion
Subordinated debt $0.62 billion
All other liabilities $0.86 billion
      Total Liabilities $47.11 billion
      Shareholders’ Equity $4.74 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.48 billion
Total Interest Expense $0.06 billion
Net interest income $0.42 billion
Provision for loan and lease losses $0.02 billion
Total non interest income $0.13 billion
Total non interest expense $0.34 billion
Pre-tax Net Operating Income $0.19 billion

Bank Loan Profile?

The top three loan types in City National Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in California, City National Bank has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.96
Credit Card Loans 0.19
Consumer Auto Loans 0.00
Small Business Loans 0.85
Construction and Development Loans 4.91
Commercial Real Estate 15.77
Commercial and Industrial Loans 21.36
Farm Loans 0.00

Frequently Asked Questions About City National Bank

Branches and Savings

Is City National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17281.

Why does City National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are City National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is City National Bank a commercial bank?


Where are City National Bank locations?

See branch locations nearby.

Is City National Bank open on Saturdays?

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Are City National Bank ATMs Open 24/7?

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Can City National Bank customers use other ATMs?

Do City National Bank branches have notaries?

Will City National Bank notarize my document?

What address for City National Bank should I put for incoming ACH transfers?

Will the City National Bank branch print checks?

Do City National Bank checks expire?

Does City National Bank require US citizenship to open account?

Can City National Bank close my account?

Does City National Bank Report to credit bureaus?

Does City National Bank Use Equifax?

What is City National Bank's ACH Routing Number?

What is City National Bank's SWIFT code?


Does City National Bank offer mortgages?

Compare mortgage rates here.

Does City National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does City National Bank offer personal loans?

Compare personal loan rates here.

Does City National Bank offer student loans?

Will City National Bank cash a check?

Will City National Bank redeem a savings bond?

Does City National Bank cash savings bonds?

Will City National Bank cash money orders?

Can City National Bank issue a money order?

Does City National Bank do currency exchange?

Background on The Bank

Who owns City National Bank?

How long has City National Bank been around?

Can City National Bank transfer to other banks?

Does City National Bank have quick pay?

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