Citibank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Citibank, N.A. is an FDIC-insured commercial bank headquartered in Sioux Falls, SD, established in 1812 (FDIC certificate 7213), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.98T, up 7.8% from Q2 2025, the largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 13.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7213
- Headquarters
- Sioux Falls, SD
- Established
- 1812
- Total assets, Q2 2026
- $1.98T
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 13.79%
- Domestic offices
- 667 FDIC institution directory, current count
- Routing number
- 021000089
- Latest call report
- Q2 2026, FFIEC 031 · Citibank, N.A. call report
- Holding company
- CITICORP LLC
- Asset rank in state
- 1st of 56 in South Dakota
Citibank received FDIC open-bank assistance in November 2008, one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. Citibank, N.A. is the 3rd-largest bank in the United States, with $1.98 trillion in assets at June 30, 2026, up 7.8% from a year earlier. It is headquartered in Sioux Falls, South Dakota, and operates 667 domestic branches. It earns about $1.03 a year on every $100 of assets, lower than about 9 in 10 of the 18 US banks with $250 billion or more in assets (median $1.23). On the other hand, it holds commercial real estate loans equal to only 22% of its capital, about a third the median of 0.6 times for banks its size.
Earnings jumped: net income for the quarter was $5.1 billion, 40% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.94%).
As of June 30, 2026, Citibank, N.A. reported a CET1 capital ratio of 13.79%, a return on assets of 1.03%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 2.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citibank, N.A. is the largest of the 56 banks headquartered in South Dakota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $1.98T, loans rose 4.3% and deposits rose 3.1%. Credit card loans made up 23.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 21.9%. Judged on its Q2 2026 call report, Citibank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5800 S Corporate Pl, Sioux Falls, SD 57108
- County
- Lincoln
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- June 16, 1812
- Former names
- First National City Bank (1962-1976); The First National City Bank of NewYork (1955-1962)
- Domestic offices
- 667 FDIC institution directory, current count
- Employees (FTE)
- 169,535
- Domestic deposits
- $896.65B
- Allowance for credit losses
- $17.66B
- Net charge-offs (YTD)
- $3.88B
- Average total assets
- $1.99T
- Average total loans
- $749.51B
- Average interest-bearing deposits
- $1.38T
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7213
- Fed RSSD
- 476810
- SEC CIK
- 831001 → filed by CITIGROUP INC.
- Website
- www.citibank.com →
- Parent Holding Company
- CITICORP LLC (RSSD 3375370)
- Ultimate Parent
- CITIGROUP INC. (RSSD 1951350)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Fraser Jane Nind | CEO | Chair & CEO |
| Mark Mason | CFO | Chief Financial Officer |
| Anand Selvakesari | COO | Chief Operating Officer |
| Zdenek Turek | CRO | Chief Risk Officer |
| Brent Mcintosh | GC | Chief Legal Off. & Corp. Sec'y |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citibank, N.A.'s total assets ranged from $1.66T (Q3 2023) to $1.98T (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.98T total assets against $1.83T; $1.80T total liabilities against $1.66T.
$739.50B net loans and leases against $680.51B; $1.55T total deposits against $1.41T.
$423.29B securities against $411.83B; $350.21B cash and balances due against $320.56B.
$24.54B total interest income against $23.63B; $11.43B total interest expense against $11.39B.
$13.11B net interest income against $12.23B.
$5.31B total noninterest income against $4.72B; $9.61B total noninterest expense against $9.38B.
$2.03B provision for credit losses against $2.45B.
$5.11B net income against $3.66B.
1.03% return on assets against 0.81%; 2.85% net interest margin against 2.93%.
13.79% CET1 capital ratio against 13.76%; 7.87% tier 1 leverage ratio against 8.95%.
Inside the full Citibank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitibank, N.A. rankings
Its closest position to the top of a national ranking is 3 of 4,196, for total assets; its furthest is 2,444 of 3,611, for ROA.
Metric pages for Citibank, N.A.: Uninsured deposits.
Banks merged into Citibank, N.A.
- FDS Bank, effective October 24, 2005
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q4 2024) to 1.04% (Q1 2026) and its net interest margin ran from 2.83% (Q3 2024) to 2.98% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.79% | 1.03% | 0.66% | 2.77% | 2.85% |
| Q1 2026 | 13.77% | 1.04% | 0.75% | 3.02% | 2.91% |
| Q4 2025 | 14.33% | 0.74% | 0.77% | 2.99% | 2.94% |
| Q3 2025 | 14.01% | 0.92% | 0.82% | 3.09% | 2.93% |
| Q2 2025 | 13.76% | 0.81% | 0.76% | 2.86% | 2.93% |
| Q1 2025 | 13.97% | 0.86% | 0.73% | 2.69% | 2.98% |
| Q4 2024 | 13.83% | 0.63% | 0.75% | 2.75% | 2.90% |
| Q3 2024 | 13.93% | 0.83% | 0.66% | 2.43% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View all 667 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citibank, National Association | Sioux Falls , SD | 57108 | $637.70B |
| Www.Citibank.Com Branch | San Antonio , TX | 78245 | $31.01B |
| Ny Private Bank Branch | New York , NY | 10022 | $21.07B |
| 399 Park Avenue Branch | New York , NY | 10022 | $7.41B |
| Private Bank Branch - Miami Branch | Miami , FL | 33131 | $6.04B |
| Corporate Bank Office Branch | San Juan , PR | 00918 | $4.24B |
| Broadway-56th Street Branch | New York , NY | 10019 | $3.37B |
| Private Bank Branch - Los Angeles Branch | Los Angeles , CA | 90071 | $2.29B |
| Anaheim-Downtown Branch | Anaheim , CA | 92805 | $2.19B |
| Madison Avenue-42nd Street Branch | New York City , NY | 10017 | $2.04B |
| Flushing Branch | Flushing , NY | 11354 | $1.83B |
| Dearborn & Washington | Chicago , IL | 60602 | $1.66B |
| Dupont Circle | Washington , DC | 20036 | $1.64B |
| Lexington & 59th Branch | New York , NY | 10022 | $1.64B |
| Chinatown Branch | New York City , NY | 10013 | $1.61B |
| 5th Avenue & 52nd Branch | New York City , NY | 10103 | $1.52B |
| Third Avenue-46th Street Branch | New York City , NY | 10017 | $1.47B |
| One California Branch | San Francisco , CA | 94111 | $1.39B |
| 120 Broadway Branch | New York , NY | 10271 | $1.28B |
| 1790 Biscayne Blvd Branch | Miami , FL | 33137 | $1.20B |
| San Jose Main | San Jose , CA | 95113 | $1.10B |
| Okeechobee Branch | West Palm Beach , FL | 33417 | $1.08B |
| Newark Branch | Newark , NJ | 07102 | $1.06B |
| Aventura Boulevard Branch | Miami , FL | 33180 | $1.03B |
| Cypress Creek | Fort Lauderdale , FL | 33309 | $1.03B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2026 | Structure Change | Acquired Citishare Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired Department Stores National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2012 | Structure Change | Acquired Cal Fed Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | M&A | Acquired Citicorp Trust Bank, FSB merger for the acquired bank | SEC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Citicorp Trust Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | M&A | Acquired Citibank (South Dakota), N.A. merger for the acquired bank | SEC |
| July 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Citibank (South Dakota), N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 23, 2008 | FDIC Assistance | Open Bank Assistance | FDIC |
| January 1, 2007 | Structure Change | Acquired Citibank International Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2006 | Structure Change | Acquired Citicorp Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 30, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 30, 2003 | Structure Change | Acquired Citibank (New York State) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2002 | Structure Change | Acquired Universal Card Services Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2001 | Structure Change | Acquired European American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 1998 | Structure Change | Acquired BHN Multibanco, S.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 1984 | Structure Change | Acquired Girod Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 1982 | Structure Change | Acquired Banco Regional De Ahorro De Bayamon Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 2, 1976 | Structure Change | Acquired Citibank (Mid-Hudson), National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 1963 | Structure Change | Acquired First National City Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 1962 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 28 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 21 against the institution (OCC); 17 against individuals associated with it
- July 10, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citibank, N.A.
- July 10, 2024, OCC: Civil Money Penalty (CMP): Citibank, N.A.
- October 7, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citibank, National Association
- October 7, 2020, OCC: Civil Money Penalty (CMP): Citibank, National Association
- January 17, 2020, OCC: Civil Money Penalty (CMP): Citibank, N.A.
- Period: Most recent institution action July 10, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 55.2% of deposits in SD, rank 1 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 54,784 applications, 15,812 loans originated, $18.19B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 37 loans, $2.5M approved, $68K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citibank, N.A.
What are Citibank, N.A.'s total assets?
As of the Q2 2026 filing, Citibank, N.A. reported total assets of $1.98 trillion in its FFIEC call report.
Where is Citibank, N.A. headquartered?
It is headquartered in Sioux Falls, SD, United States.
When was Citibank, N.A. founded?
It was established in 1812, per the FDIC institution directory.
Is Citibank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citibank, N.A.?
Citibank, N.A.'s primary federal regulator is the OCC.
What is Citibank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citibank, N.A. operate?
It operates 667 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citibank, N.A.'s Texas Ratio?
Its Texas Ratio is 2.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citibank, N.A. previously called?
The charter now named Citibank, N.A. has also operated as First National City Bank (1962-1976), The First National City Bank of NewYork (1955-1962), per FDIC structure-change records.
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