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Examined: Sat, 25 Apr 2026 19:37:20 GMT

City National Bank

RSSD 63069 · CA · Total assets $98,430M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Liquidity Procedure L-03

Uninsured deposit concentration elevated

Citation
Federal Reserve, Review of the Federal Reserve's Supervision and Regulation of Silicon Valley Bank (April 28, 2023); Joint Agency Statement on Liquidity Risk Management (July 28, 2023); FDIC FIL-84-2008, Liquidity Risk Management
Evidence
Total deposits $76,625M and insured deposits $34,160M indicate material uninsured-deposit exposure. Uninsured deposits are calculated as total deposits less insured deposits and can be more prone to rapid runoff under stress. Threshold calibration: post-SVB community-bank median uninsured share is 40-55%; this rule fires above 55% because that level requires explicit liquidity contingency planning.
Recommended action
Provide deposit segmentation by customer type, size, relationship tenure, and operational dependency. Update liquidity stress assumptions for uninsured runoff, identify high-confidence contingent funding sources (FHLB, discount window, BTFP collateral pre-positioning), and document board-approved concentration limits and trigger-based escalation.

Key ratios computed

Tier 1 ratio
16.24%
↑ rank 6 of 33 · regional
Tier 1 leverage
10.65%
↑ rank 4 of 34 · regional
Total capital
18.05%
↑ rank 4 of 34 · regional
NPL ratio
0.46%
ACL coverage
235.84%
CRE concentration
48.76%
Construction conc.
29.40%
ROA (annualized)
0.84%
↑ rank 25 of 34 · regional
NIM
3.33%
↑ rank 16 of 34 · regional
Efficiency ratio
69.82%
↓ rank 30 of 34 · regional
Loans / Deposits
82.15%
Brokered / Deposits
14.56%
Uninsured / Deposits
55.42%
Liquid asset ratio
7.47%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$92,193M
23Q03$96,370M 23Q06$94,596M 23Q09$96,839M 23Q12$93,373M 24Q03$92,425M 24Q06$92,245M 24Q09$92,111M 24Q12$92,193M
Tier 1 leverage
10.65%
23Q039.23% 23Q069.33% 23Q099.48% 23Q129.88% 24Q0310.17% 24Q0610.52% 24Q0910.75% 24Q1210.65%
Tier 1 RBC ratio
16.24%
23Q0313.21% 23Q0613.18% 23Q0913.72% 23Q1214.15% 24Q0314.61% 24Q0614.94% 24Q0915.53% 24Q1216.24%
ROA (YTD ann.)
0.84%
23Q030.58% 23Q060.51% 23Q09-2.21% 23Q12-1.65% 24Q030.71% 24Q060.73% 24Q090.77% 24Q120.84%
NIM (YTD ann.)
3.33%
23Q032.84% 23Q062.79% 23Q092.78% 23Q122.94% 24Q033.28% 24Q063.29% 24Q093.31% 24Q123.33%
Efficiency ratio
69.8%
23Q0370.8% 23Q0673.1% 23Q0975.1% 23Q1278.8% 24Q0370.6% 24Q0670.2% 24Q0970.5% 24Q1269.8%

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