Citizens Bank, N.A. (Providence, RI)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank, N.A. is an FDIC-insured commercial bank headquartered in Providence, RI, established in 2005 (FDIC certificate 57957), and it is supervised by the OCC. At Q2 2026 it reported total assets of $232.52B, up 6.7% from Q2 2025, the largest of 5 banks headquartered in Rhode Island. Its CET1 capital ratio was 11.92% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57957
- Headquarters
- Providence, RI
- Established
- 2005
- Total assets, Q2 2026
- $232.52B
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 11.92%
- Domestic offices
- 977 FDIC institution directory, current count
- Routing number
- 011500120
- Latest call report
- Q2 2026, FFIEC 031 · Citizens Bank, N.A. call report
- Holding company
- CITIZENS FINANCIAL GROUP, INC.
- Asset rank in state
- 1st of 5 in Rhode Island
Citizens Bank, N.A. is the 20th-largest bank in the United States, with $232.5 billion in assets at June 30, 2026, up 6.7% from a year earlier. It is headquartered in Providence, Rhode Island, and operates 977 domestic branches. It returns 9.0% a year on shareholders' equity, lower than about three-quarters of the 14 banks with $100 billion to $250 billion in assets (median 12.9%).
Net income for the quarter rose 26% from a year earlier, to $600 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.96% of loans, down from 1.14% a year earlier.
As of June 30, 2026, Citizens Bank, N.A. reported a CET1 capital ratio of 11.92%, a return on assets of 1.04%, a nonperforming-loan ratio of 1.36% and a Texas ratio of 7.11%. The figures come from its call report filed with the FFIEC.
Of the 5 banks headquartered in Rhode Island, Citizens Bank, N.A. is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $232.52B, loans rose 2.6% and deposits rose 1.0%. 1-4 family residential loans made up 38.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.8%. Judged on its Q2 2026 call report, Citizens Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Citizens Plz, Providence, RI 02903
- County
- Providence
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- May 13, 2005
- Former names
- RBS Citizens, National Association (2007-2014)
- Domestic offices
- 977 FDIC institution directory, current count
- Employees (FTE)
- 17,326
- Domestic deposits
- $188.73B
- Allowance for credit losses
- $1.97B
- Net charge-offs (YTD)
- $273.8M
- Average total assets
- $229.96B
- Average total loans
- $146.86B
- Average interest-bearing deposits
- $142.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 13, 2005
- FDIC Cert
- 57957
- Fed RSSD
- 3303298
- SEC CIK
- 759944 → filed by CITIZENS FINANCIAL GROUP, INC.
- Website
- www.citizensbank.com →
- Parent Holding Company
- CITIZENS FINANCIAL GROUP, INC. (RSSD 1132449) · CFG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Van Saun Bruce | CEO | Chairman and CEO |
| Brendan Coughlin | PRES | President |
| Aunoy Banerjee | CFO | Chief Financial Officer |
| Richard L. Stein | CRO | Chief Risk Officer |
| Michelle Moosally | GC | Chief Legal Officer |
| Michael Ruttledge | CIO | Chief Information Officer |
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
Citizens Bank, N.A.'s total assets moved between a low of $217.18B (Q4 2024) and a high of $232.52B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$232.52B total assets against $217.97B; $206.04B total liabilities against $192.03B.
$147.27B net loans and leases against $139.51B; $188.73B total deposits against $178.75B.
$45.40B securities against $43.15B; $13.34B cash and balances due against $9.32B.
$2.54B total interest income against $2.41B; $869.9M total interest expense against $920.2M.
$1.67B net interest income against $1.49B.
$558.3M total noninterest income against $542.4M; $1.33B total noninterest expense against $1.26B.
$134.0M provision for credit losses against $164.0M.
$600.1M net income against $476.3M.
1.04% return on assets against 0.87%; 3.23% net interest margin against 3.04%.
11.92% CET1 capital ratio against 12.41%; 9.39% tier 1 leverage ratio against 9.79%.
Inside the full Citizens Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank, N.A. rankings
Its closest position to the top of a national ranking is 20 of 4,196, for total assets; its furthest is 1,736 of 2,134, for CET1 ratio.
Metric pages for Citizens Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 1.04% (Q2 2026) and its net interest margin ran from 2.86% (Q3 2024) to 3.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.92% | 1.04% | 1.36% | 7.11% | 3.23% |
| Q1 2026 | 12.12% | 0.95% | 1.48% | 7.63% | 3.18% |
| Q4 2025 | 12.27% | 0.96% | 1.40% | 7.44% | 3.18% |
| Q3 2025 | 12.41% | 0.91% | 1.37% | 7.77% | 3.12% |
| Q2 2025 | 12.41% | 0.87% | 1.42% | 8.21% | 3.04% |
| Q1 2025 | 12.33% | 0.76% | 1.48% | 8.65% | 2.95% |
| Q4 2024 | 12.27% | 0.76% | 1.55% | 9.40% | 2.97% |
| Q3 2024 | 11.86% | 0.74% | 1.52% | 9.41% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 971 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 |
|---|---|---|---|
| Citizens Bank of Massachusetts Branch | Boston , MA | 02109 | $30.82B |
| 1835 Market Street Branch | Philadelphia , PA | 19103 | $5.30B |
| 101 California Street Branch | San Francisco , CA | 94111 | $4.98B |
| 1301 Avenue of the Americas Branch | New York , NY | 10019 | $4.54B |
| Citizens Bank, N.A. (main office) | Providence , RI | 02903 | $4.52B |
| East 9th Street Branch | Cleveland , OH | 44115 | $3.84B |
| Mill Valley Branch | Mill Valley , CA | 94941 | $3.13B |
| Downtown Branch | Providence , RI | 02903 | $2.53B |
| Citizens Bank New Hampshire Branch | Manchester , NH | 03101 | $2.26B |
| 772 Boylston Branch | Boston , MA | 02199 | $1.93B |
| Red Oaks Mill Branch | Poughkeepsie , NY | 12603 | $1.81B |
| Union Square Branch | New York , NY | 10003 | $1.71B |
| High Street Branch | Boston , MA | 02110 | $1.54B |
| Grant Street Branch | Pittsburgh , PA | 15219 | $1.42B |
| 1417 Walnut Street Branch | Philadelphia , PA | 19102 | $1.13B |
| Palm Beach Branch | Palm Beach , FL | 33480 | $971.0M |
| Westminster Street Branch | Providence , RI | 02903 | $770.5M |
| City Center | White Plains , NY | 10601 | $631.6M |
| Quincy Center Branch | Quincy , MA | 02169 | $544.0M |
| Medford Square Branch | Medford , MA | 02155 | $543.7M |
| Peters Township Branch | Mcmurray , PA | 15317 | $535.4M |
| Acton Branch | Acton , MA | 01720 | $519.3M |
| West Goshen Branch | West Chester , PA | 19380 | $518.6M |
| Summer Street Branch | Boston , MA | 02110 | $505.9M |
| Union Deposit Mall Branch | Harrisburg , PA | 17111 | $484.6M |
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 7, 2022 | M&A | Acquired Investors Bank merger for the acquired bank | SEC |
| April 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 2022 | Structure Change | Acquired Investors Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2019 | M&A | Acquired Citizens Bank of Pennsylvania merger for the acquired bank | SEC |
| January 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2019 | Structure Change | Acquired Citizens Bank of Pennsylvania Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 6, 2012 | Structure Change | Acquired Oh Investment Corp. IV Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 6, 2012 | M&A | Acquired Citizens Automobile Finance, Inc merger for the acquired bank | SEC |
| January 1, 2009 | Structure Change | Acquired Sunkiss Realty Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2009 | M&A | Acquired Sunkiss Realty merger for the acquired bank | SEC |
| September 2, 2008 | Structure Change | Acquired Central Park-NH Realty Corp Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 2, 2008 | M&A | Acquired Central Park-NH Realty Corp merger for the acquired bank | SEC |
| September 1, 2007 | M&A | Acquired Citizens Bank of Rhode Island merger for the acquired bank | SEC |
| September 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2007 | Structure Change | Acquired Citizens Bank of Massachusetts Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 9 against the institution (OCC); 13 against individuals associated with it
- November 10, 2015, OCC: C&D or PC&D Requiring Restitution: Citizens Bank, National Association
- November 10, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citizens Bank, National Association
- November 10, 2015, OCC: Civil Money Penalty (CMP): Citizens Bank, National Association
- August 10, 2015, OCC: C&D or PC&D Requiring Restitution: Rbs Citizens, National Association
- August 10, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Rbs Citizens, National Association
- Period: Most recent institution action November 10, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 35.7% of deposits in RI, rank 1 of 17 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 143,352 applications, 68,902 loans originated, $20.98B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 83 loans, $52.4M approved, $631K 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 Citizens Bank, N.A.
What are Citizens Bank, N.A.'s total assets?
As of the Q2 2026 filing, Citizens Bank, N.A. reported total assets of $232.52 billion in its FFIEC call report.
Where is Citizens Bank, N.A. headquartered?
It is headquartered in Providence, RI, United States.
When was Citizens Bank, N.A. founded?
It was established in 2005, per the FDIC institution directory.
Is Citizens Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank, N.A.?
Citizens Bank, N.A.'s primary federal regulator is the OCC.
What is Citizens Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.92% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank, N.A. operate?
It operates 977 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 7.11% 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 Citizens Bank, N.A. previously called?
The charter now named Citizens Bank, N.A. has also operated as RBS Citizens, National Association (2007-2014), per FDIC structure-change records.
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