BanksCITIZENS BANK, NATIONAL ASSOCIATION

CITIZENS BANK, NATIONAL ASSOCIATION

PROVIDENCE, RINationalEst. May 13, 2005, midnightFDIC #57957RSSD #3303298OCC
Latest · 2025-12-31

CITIZENS BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 12.27%, well above regulatory minimums. NPL ratio: 1.04% · Texas Ratio: 5.29%. Operates 984 domestic branches.

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 Margin3.06%
Yield on Assets4.74%
Cost of Funds1.81%

Asset Quality

NPL Ratio1.04%
Net Charge-Off Ratio0.47%
Texas Ratio5.29%
NPA Ratio0.67%
ACL / Loans1.35%

Capital & Liquidity

CET1 Ratio12.27%
Tier 1 Capital12.27%
Total Capital Ratio14.14%
Leverage Ratio9.77%
Loan-to-Deposit77.36%

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