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Heritage Bank of Commerce is now part of Citizens Business Bank

Over 75 locations throughout California

We’re excited to share that the merger between Heritage Bank of Commerce and Citizens Business Bank is officially complete. Together, we bring a shared purpose, shared values, and an even stronger commitment to our customers.



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Company
Quick Facts

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2025 Corporate Social
Responsibility Report (CSR)

2025 Summary Annual Report

2025 Summary
Annual Report

Our Story

Since 1974, Citizens Business Bank has been creating banking relationships by focusing on our customer and helping them achieve more for their business, their employees, and the communities they serve. Our founder, George A. Borba Sr., was an enterprising dairy farmer and small business owner from Southern California. George saw a need to support other business owners in his community by helping them preserve and enhance the value of their companies. He shared his vision with a group of local business leaders who cared deeply about their community, and together they set out to design a new banking experience.

Chino Valley Bank was established in August of 1974. 50 years later, Citizens Business Bank has grown to more than $15 billion in assets with 3 trust offices and over 60 banking locations throughout California. We changed our name to Citizens Business Bank along the way, but we still hold true to our original vision.

We are proud to be in the position to assist entrepreneurs with opportunities to foster and grow their businesses. Our customers’ success is our success. We are able to build long-standing relationships with each customer by treating them the same way we would want to be treated. In fact, many of our customers have banked with us for decades. Our unwavering commitment to our five core values is the reason we are consistently recognized as one of the top-performing banks in the nation.

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Learn more about what we do and who we are.

$209.3

Million

Net Earnings

12.31.25

195

Consecutive

Quarters of Profitability

12.31.25

146

Consecutive

Quarters of Cash
Dividends Paid

Q1 2026

BBB+

Stable

Rating Outlook

Fitch Ratings, 2025

★★★★★

Five-Star

“Superior” Rating

BauerFinancial, 2025

Super

Premier

Performing Bank

Findley Reports, 2025

Learn more about Citizens Business Bank and our story.