Our Customers

Section 1

Bakersfield Veterinary Hospital

Bakersfield Veterinary Hospital
Dr. Adam Landry, Dr. Irene Takata, Dr. Jennifer McGraw Aguirre, and Dr. Michael D. Keese - Bakersfield Veterinary Hospital

Residents of Kern County have been bringing their pets to Bakersfield Veterinary Hospital since the doors first opened in 1923. The hospital’s relationship with the Bank started a decade ago, when a group of medical professionals sought to establish a relationship with a premier business bank that could understand their needs. “Citizens Business Bank has helped us develop into what we are today,” says Dr. Adam Landry, a partner at the hospital. With assistance from the Bank’s associates and services, Bakersfield Veterinary Hospital was able to grow from a small clinic into one of the largest veterinary groups in the region.

Bakersfield Veterinary Hospital had outgrown their smaller, separate practices, and were ready to move to a larger, centralized building that could handle an influx of new patients. With bank financing provided for the expansion, the partners reached their long-term goal of building and owning a veterinary hospital. “They’ve made this goal possible. Possible to purchase the land. Possible to make the business grow,” said Dr. Landry. An SBA 504 Loan and Equipment Term Loan were essential in laying the groundwork for the new hospital. The state-of-the-art 13,000 square-foot facility in Bakersfield is now home to modern surgical and exam rooms, luxury boarding suites, a complete laboratory, and a veterinary pharmacy.
In addition to providing financing throughout the 10-year relationship, the Bank also provided loans for individual professionals, like Dr. Landry, which allowed them to become partners in the practice.

Different generations of veterinarians have entered and left the firm since they first began the relationship, but the hospital continues to remain a loyal customer of the Bank. “There has always been that personal experience, a local feel,” said Dr. Landry, in reference to his own exchanges with the Bank.

Strategically combining their smaller practices into a full-service veterinary hospital has been a successful long-term move for the team. As a result, they’ve experienced a 35 percent increase in revenue over the last five years. The veterinarians have had such a satisfying relationship with the Bank that they’re eager to share the experience with other businesses in Kern County.


Camarena Health

Camarena Health
Paulo Soares, Chief Executive Officer and Dr. Joel Ramirez, Chief Medical Officer

Camarena Health has been serving the Madera County community with affordable healthcare services since opening their first center in 1980. The community-based healthcare provider originally started as a health center for farmworkers and their families in Madera County, and they’ve established themselves as an influential organization among local residents. “We aim to be extremely accessible to people in the community, regardless of insurance,” explains Paulo Soares, Chief Executive Officer. Last year, their collection of health practices saw over 42,000 patients, or approximately one-in-four residents of the county.

As a healthcare provider, Camarena Health’s mission is to continue their growth in order to meet the needs of the community. In 2008, Camarena Health began the search for a new banking relationship with the goal of propelling their business forward and serving more patients. They felt the national bank they were using at the time was too impersonal for their business needs. The team knew they required the expertise of a local bank that could understand their business goals and help health services spread throughout Madera County. They chose Citizens Business Bank.
In the first 30 years of existence, Camarena Health only operated two health centers in the county. However, growth has been exponential over the last decade. Since beginning their relationship with Citizens Business Bank, Camarena Health has expanded their network with 12 new centers.

Paulo expresses his appreciation for Camarena Health’s relationship with Citizens Business Bank, and he eagerly shares how the services are “great assets to have available to us.” A Revolving Line of Credit provides the health system with the flexibility to purchase essential equipment. Real Estate Loans were vital to the addition of a new administration building and also crucial for constructing a new medical campus with a variety of health services for patients and their families. Paulo’s team also worked with the Bank to establish investment accounts through CitizensTrust, which will help to grow and build the organization’s cash reserves. Their objective is to maximize investment returns to ensure the long-term sustainability of the valuable health services they provide. With steadfast support from the Bank, Camarena Health will continue to serve the health needs of Madera County residents well into the future.

Mid Valley Cardiology

Mid Valley Cardiology
Michael L. Krueger, D.O. (Board Certified Cardiologist)

Since 2002, Mid Valley Cardiology has provided the latest technology in cardiac care with an in-house,state licensed and certified echocardiographer and nuclear technician to ensure quality care in the Central Valley. They provide the highest quality of care, treating each patient as a complete person, deserving the time and attention of caring health professionals. Led by Board Certified Cardiologist, Dr. Michael Krueger, Mid Valley Cardiology strives to create a patient friendly environment with cutting edge medical technology.

“Citizens Business Bank has always gone above and beyond to provide superior customer service with a personal touch. We have received continuous personal and dedicated service from
Citizens Business Bank. The Bank has assisted us with making the expansion of our facility a reality by providing financing for real estate and equipment loans. We value and appreciate the level of professional service we receive from Citizens Business Bank and know they are always just a phone call away.”

Michael L. Krueger, D.O.
Board Certified Cardiologist


Fresno Nephrology Medical Group, Inc.

Fresno Nephrology Medical Group, Inc.
Steve W. Su, M.D., Hemant Dhingra, M.D. (President), Gregory Martinez, M.D., Harpreet S. Dhindsa, M.D., Joseph C. Duflot, M.D., Jasjit Singh, M.D. (pictured left to right)

Fresno Nephrology Medical Group, Inc. (FNMG) is a physician group specializing in the care of patients with kidney disease and related illnesses. Since 1975, they have grown from one physician to a nephrology team of sixteen Board-Certified Physicians, four Nurse Practitioners, and two Renal Dietitians. FNMG has multiple clinical office locations in the central valley and serves adult acute hospitals. In addition to office and hospital-based patient care, they offer comprehensive services and manage dialysis treatments at dialysis centers in Fresno, Madera, Kings, and Tulare counties. The group works closely with major transplant programs in the area as well and serves the teaching program with UCSF Fresno.

“Fresno Nephrology Medical Group is a rapidly growing business and very thankful to Citizens Business Bank for helping us by providing Real Estate Funding and Term Loan Financing for our growth. We are pleased and proud to be partners with the Citizens Business Bank team.”

Not pictured: Steven B. Levy, M.D., Anuradha Suri, M.D., Yangming Cao, M.D., Mei Hwang, M.D., Sukhvir Atwal, M.D., David Heaney, M.D., and Magdy Maksy, M.D. 


Huntington Medical Research Institutes (HMRI)

Huntington Medical Research Institutes (HMRI)
Marie Csete, MD, PhD, Chief Scientific Officer and Michael Harrington, MB, ChB, FRCP, Molecular Neurology Clan Chief

For six decades, Huntington Medical Research Institutes (HMRI) has improved health and prolonged lives by conducting biomedical research and developing and applying new technology for prevention, diagnosis, and treatment of diseases. They succeed when they are able to add years of quality life and vitality to a patient in need.

“Our relationship with Citizens Business Bank spans decades and is a vital contributor to the success of our business. A perfect representation of this is in the many Deposit Services we use, all of which allow us to safely and efficiently manage our cash requirements, as well as improve upon our profitability.”

Marie Csete, M.D., Ph.D., Chief Scientific Officer
Michael Harrington, M.B., Ch.B., FRCP, Molecular Neurology Clan Chief


Magan Medical Clinic, Inc.

Magan Medical Clinic, Inc.
Bradley Rosenberg, M.D., President (left) and Thomas D. Verdegem, M.D. (right)

Magan Medical Clinic, Inc. was founded in 1919 by Dr. W.P. Magan, Sr. The clinic has grown from a small office in downtown Covina to a large multi-specialty practice with offices in Covina, San Dimas, Diamond Bar, and LaVerne. Their mission is to strive to provide high quality medical care in an environment that is convenient and comfortable for patients.

“Citizens Business Bank is a resource for money management, along with offering a wide range of products and excellent service to help our year-round operations run smoothly and efficiently. When we need to secure leasing for medical or computer equipment, they not only service our leasing needs, they are very helpful in explaining the leasing process.”

Magan Medical Clinic, Inc.


Arcadia Radiology Medical Group

Arcadia Radiology Medical Group
Jose S. Tandoc, M.D., Daniel H. Zee, M.D. and Miguel M. Palos, M.D.

Arcadia Radiology Medical Group provides diagnostic imaging services including MRI, CT, Digital Mammography, X-ray, Ultrasound, and Fluoroscopy. This group of specialists is committed to embracing new technologies to expand and improve the scope of the diagnostic services the group offers.