CITIZENS BANK, NATIONAL ASSOCIATION

PROVIDENCE, RI | National | Est. May 13, 2005, midnight | FDIC #57957 | RSSD #3303298 | OCC
Latest Report: 2025-12-31

CITIZENS BANK, NATIONAL ASSOCIATION is ann national FDIC-insured commercial bank headquartered in PROVIDENCE, RI, established in May 13, 2005, midnight. As of 2025-12-31, the bank reported total assets of $225.9B and total deposits of $186.3B. Profitability stands at 0.95% ROA and 7.96% ROE, with a net interest margin of 3.06%. The bank's CET1 capital ratio is 12.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 5.29%. FDIC Certificate #57957.

Assets

$225.9B

Deposits

$186.3B

Loans

$144.1B

Equity

$26.8B

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 7.96%
Net Interest Margin (NIM) 3.06%
Yield on Assets 4.74%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.47%
Texas Ratio 5.29%
NPA Ratio 0.67%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 12.27%
Tier 1 Capital 12.27%
Total Capital Ratio 14.14%
Leverage Ratio 9.77%
Loan-to-Deposit 77.36%

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