$146B
+3.5%y/y
Percentile by value91st percentileby value
FDIC
LNLSGRCB
Citizens Bank, National Association
Providence, Rhode IslandFDIC Cert #57957
OCCEstablished 2005975 branches
Holding company: CITIZENS FINANCIAL GROUP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$144B
+3.6%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET+3.62%
+252.9%y/y
Percentile by value26th percentileby value
FDIC
LNLSNET76.8%
+0.6%y/y
Percentile by value33rd percentileby value
FDIC
LNLSNET + DEP63.2%
+0.4%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET + ASSET70.13%
+1.5%y/y
Percentile by value59th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
96%
−11.8%y/y
Percentile by value32nd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC21%
−26.3%y/y
Percentile by value44th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,104points
+9.4%y/y
Peer standing22nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD2.75%
−2.0%y/y
Percentile by value32nd percentileby value
FDIC
LNRENROW + LNLSGR6.98%
−13.6%y/y
Percentile by value28th percentileby value
FDIC
LNRENROT + LNLSGR19.06%
+2.5%y/y
Percentile by value63rd percentileby value
FDIC
LNCI + LNLSGR