$227B
+3.2%y/y
Percentile by value88th percentileby value
FDIC
ASSETCB
Citizens Bank, National Association
Providence, Rhode IslandFDIC Cert #57957
OCCEstablished 2005975 branches
Holding company: CITIZENS FINANCIAL GROUP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens Bank, National Association reported $227B in total assets. Deposits grew 2.99% over the prior year.
Return on assets was 0.94%, compared with an asset-peer median of 1.19%. The leverage ratio was 9.61%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Return on Assets below asset peers?
- Why is Efficiency Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$187B
+3.0%y/y
Percentile by value89th percentileby value
FDIC
DEP$144B
+3.6%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET0.94%
+18 bpsy/y
Peer standing25th percentile
FDIC
NETINC + ROA61.38%
−332 bpsy/y
Peer standing29th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.61%
−13 bpsy/y
Peer standing40th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $185B | $154B |
| Q3 2021 | $187B | $155B |
| Q4 2021 | $188B | $157B |
| Q1 2022 | $192B | $161B |
| Q2 2022 | $227B | $182B |
| Q3 2022 | $224B | $181B |
| Q4 2022 | $226B | $183B |
| Q1 2023 | $222B | $175B |
| Q2 2023 | $223B | $181B |
| Q3 2023 | $225B | $182B |
| Q4 2023 | $222B | $181B |
| Q1 2024 | $220B | $180B |
| Q2 2024 | $220B | $180B |
| Q3 2024 | $220B | $179B |
| Q4 2024 | $217B | $178B |
| Q1 2025 | $220B | $181B |
| Q2 2025 | $218B | $179B |
| Q3 2025 | $222B | $184B |
| Q4 2025 | $226B | $186B |
| Q1 2026 | $227B | $187B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $4.01B |
| Investor CRE | $10.2B |
| Multifamily | $7.94B |
| Construction | $4.95B |
| 1–4 family | $55.7B |
| C&I | $27.7B |
| Agriculture | $0 |
| Other | $35B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.94%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE7.98%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.22%39th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.38%29th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+2.99%37th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+3.62%26th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.48%14th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ9.61%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.29%74th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC96%32nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.94%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.09%Median 0.66%90th 0.90%Observations 6
ROE
FDIC
NETINC + ROE7.98%80th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.31%Median 5.78%90th 8.65%Observations 6
NIM
FDIC
NIM + NIMY3.22%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 3.20%90th 5.54%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.38%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 62.83%Median 72.12%90th 90.90%Observations 6
Deposits YoY
FDIC
DEP+2.99%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.99%Median +2.99%90th +9.88%Observations 5
Loans YoY
FDIC
LNLSNET+3.62%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.60%Median +6.37%90th +7.52%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.48%25th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.76%Median 1.38%90th 1.86%Observations 5
Leverage
FDIC
RBC1AAJ9.61%20th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 11.00%90th 56.08%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.29%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.59%Median 3.22%90th 3.56%Observations 5
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 975 branches
- Headquarters
- Providence, RI
FDIC
OFFDOMOpen the Rhode Island dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data