Bank call report · Providence, RI
Citizens Bank, N.A. Call Report
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Citizens Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 031. Below are its 868 reported line items, schedule by schedule (849 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 031 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3303298 |
| FDIC certificate number | 57957 |
| Total assets | $232.52B |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 031.
Schedule RC: Balance Sheet (33 items)
About Schedule RC · Citizens Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCFD2170 | $232.52B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCFD3300 | $232.52B |
| Total Liabilities and Minority Interest | RCFD2948 | $206.04B |
| Total Deposits | RCON2200 | $188.73B |
| Loans and Leases, Net of Unearned Income - Totals | RCFDB528 | $147.93B |
| Loans and Leases, Net of Unearned Income and Allowance | RCFDB529 | $145.97B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $144.87B |
| Deposits: Noninterest-bearing | RCON6631 | $43.86B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCFD1773 | $37.45B |
| Total Equity Capital | RCFD3210 | $26.48B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCFDG105 | $26.48B |
| Surplus | RCFD3839 | $22.35B |
| Interest-bearing Balances | RCFD0071 | $11.64B |
| Other Borrowed Money | RCFD3190 | $11.51B |
| Other Assets | RCFD2160 | $11.37B |
| Intangible Assets | RCFD2143 | $9.60B |
| Goodwill | RCFD3163 | $8.02B |
| Held to maturity securities (ASU 2016-13 adoption) | RCFDJJ34 | $7.64B |
| Held-to-maturity Securities, Total | RCFD1754 | $7.64B |
| Undivided Profits and Capital Reserves | RCFD3632 | $6.37B |
| Other Liabilities, Total | RCFD2930 | $3.66B |
| Direct and Indirect Investments in Real Estate Ventures | RCFD3656 | $3.04B |
| Accumulated Other Comprehensive Income | RCFDB530 | -$2.24B |
| Allowance for Loan and Lease Losses | RCFD3123 | $1.97B |
| Premises and Fixed Assets (Including Capitalized Leases) | RCFD2145 | $1.82B |
| Noninterest-bearing Balances and Currency and Coin | RCFD0081 | $1.70B |
| Loans and Leases Held for Sale | RCFD5369 | $1.31B |
| Subordinated Notes and Debentures | RCFD3200 | $1.12B |
| Trading Liabilities, Total | RCFD3548 | $1.01B |
| Trading Assets, Total | RCFD3545 | $659.0M |
| Equity securities with readily determinable fair values not held for trading | RCFDJA22 | $315.1M |
| Perpetual Preferred Stock and Related Surplus | RCFD3838 | $75K |
| Common Stock | RCFD3230 | $1K |
Schedule RI: Income Statement (69 items)
About Schedule RI · Citizens Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.96B |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.87B |
| Net Interest Income | RIAD4074 | $3.27B |
| Total Noninterest Expense | RIAD4093 | $2.63B |
| Total Interest Expense | RIAD4073 | $1.69B |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.45B |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.45B |
| Salaries and Employee Benefits | RIAD4135 | $1.39B |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.37B |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.13B |
| Net Income (Loss) | RIAD4340 | $1.13B |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.13B |
| Total Noninterest Income | RIAD4079 | $1.07B |
| Other Noninterest Expense | RIAD4092 | $791.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $745.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $725.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $711.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $675.5M |
| All Other Loans in Domestic Offices | RIADB487 | $595.6M |
| Other Noninterest Income | RIADB497 | $500.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $436.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $365.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $362.3M |
| Applicable Income Taxes | RIAD4302 | $317.1M |
| Provision for Loan and Lease Losses | RIAD4230 | $300.3M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $274.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $246.2M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $217.0M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $191.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $188.6M |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $133.2M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $120.4M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $112.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $108.4M |
| Trading Revenue | RIADA220 | $69.4M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $68.5M |
| Interest on Other Securities | RIAD4060 | $67.3M |
| Gross Trading Revenue, Before Including Positive or Negative Net Cva and Net Dva | RIADFT40 | $66.9M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $66.4M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $62.5M |
| Net Servicing Fees | RIADB492 | $47.6M |
| Fees and Commissions from Annuity Sales | RIADC887 | $41.5M |
| Foreign Exchange Exposures | RIAD8758 | $38.6M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $37.8M |
| Interest on Notes and Debentures Subordinated to Deposits | RIAD4200 | $30.9M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $24.9M |
| Income from Lease Financing Receivables | RIAD4065 | $24.2M |
| Other Interest Income | RIAD4518 | $22.0M |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $17.3M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $16.8M |
| Commodity and Other Exposures | RIAD8760 | $15.7M |
| Interest Rate Exposures | RIAD8757 | $15.5M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $14.0M |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $13.2M |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $9.5M |
| Interest Income from Trading Assets | RIAD4069 | $7.9M |
| Impact on Trading Revenue of Changes in the Creditworthiness of the Bank on the Bank's Derivatives Liabilities, Gross Debit Valuation Adjustment Dva | RIADFT38 | $3.3M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1.7M |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $1.4M |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1.0M |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | -$805K |
| Impact on Trading Revenue of Changes in the Creditworthiness of the Bank's Derivatives Counterparties on the Bank's Derivative Assets, Gross Credit Valuation Adjustment Cva | RIADFT36 | -$743K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $508K |
| Trading Revenue, Credit Exposures | RIADF186 | -$370K |
| Impact on Trading Revenue of Changes in the Creditworthiness of the Bank's Derivatives Counterparties on the Bank's Derivative Assets, Cva Hedge | RIADFT37 | $248K |
| Credit Losses on Off-balance Sheet Derivatives | RIADA251 | $32K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $14K |
| Estimated Net Gain (Losses) on Loans, Reported at Fair Value Option, Attributable to Changes in Instrument-specific Credit Risk | RIADF552 | $12K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 17,326 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions (consolidated) | RCFD0010 | $13.34B |
| Cash and Balances Due from Depository Institutions (domestic offices) | RCON0010 | $13.34B |
| Balances Due from Federal Reserve Banks (consolidated) | RCFD0090 | $11.13B |
| Balances Due from Federal Reserve Banks (domestic offices) | RCON0090 | $11.13B |
| Cash Items in Process of Collection, Unposted Debits, and Currency and Coin | RCFD0022 | $1.44B |
| Currency and Coin | RCON0080 | $763.3M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $679.0M |
| Balances Due from Banks in Foreign Countries and Foreign Central Banks (consolidated) | RCFD0070 | $421.4M |
| Balances Due from Banks in Foreign Countries and Foreign Central Banks (domestic offices) | RCON0070 | $421.4M |
| Balances Due from Depository Institutions in the U.S. (consolidated) | RCFD0082 | $343.1M |
| Balances Due from Depository Institutions in the U.S. (domestic offices) | RCON0082 | $343.1M |
Schedule RC-B: Securities (55 items)
About Schedule RC-B · Citizens Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCFDG302 | $9.83B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCFDG303 | $9.56B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCFDG300 | $752.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCFDG301 | $688.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCFDG306 | $14.38B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCFDG307 | $13.51B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCFDG304 | $3.74B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCFDG305 | $3.35B |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCFDG314 | $6.71B |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCFDG315 | $6.47B |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCFDG312 | $330.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCFDG313 | $311.7M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Corporate and Similar Loans - Available-for-sale Amortized Cost | RCFDG358 | $40.0M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Corporate and Similar Loans - Available-for-sale Fair Value | RCFDG359 | $40.0M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Amortized Cost | RCFDG374 | $3.24B |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Fair Value | RCFDG375 | $3.19B |
| Total Amortized Cost of Available-for-sale Securities | RCFD1772 | $38.91B |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCFDA560 | $25.65B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCFDA562 | $8.86B |
| Total Fair Value of Held-to-maturity Securities | RCFD1771 | $6.78B |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCFD1286 | $4.50B |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCFD1287 | $4.43B |
| Pledged Securities | RCFD0416 | $3.83B |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCFDHT60 | $3.28B |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCFDPV00 | $3.24B |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCFDHT61 | $3.23B |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCFDPV01 | $3.19B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCFDA553 | $3.05B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDA551 | $2.56B |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCFDK150 | $2.52B |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCFDK151 | $2.14B |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCFDA559 | $1.57B |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCFDA248 | $1.14B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCFDA550 | $1.12B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCFDA561 | $709.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCFDA552 | $640.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCFDA549 | $554.2M |
| Amortized Cost of Held-to-maturity Asset-backed Securities: Other Consumer Loans | RCFDB850 | $294.5M |
| Total (Asset-backed Securities) Amortized Cost - Held to Maturity | RCFDC026 | $294.5M |
| Asset-backed Securities: Held-to-maturity-fair Value | RCFDC988 | $292.3M |
| Fair Value of Held-to-maturity Asset-backed Securities: Other Consumer Loans | RCFDB851 | $292.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCFDA558 | $259.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCFDK156 | $250.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCFDK157 | $248.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDA557 | $55.9M |
| Unallocated portfolio layer fair value hedge basis adjustments | RCFDMG95 | -$40.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCFDA554 | $36.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCFDA556 | $20.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCFDA555 | $2.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCFD8498 | $1.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCFD8499 | $866K |
| Amortized Cost of Available-for-sale Asset-backed Securities: Home Equity Lines | RCFDB844 | $95K |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCFDC989 | $95K |
| Fair Value of Available-for-sale Asset-backed Securities: Home Equity Lines | RCFDB845 | $92K |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCFDC027 | $92K |
Schedule RC-C, Part I: Loans and Leases (83 items)
About Schedule RC-C, Part I · Citizens Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income (consolidated) | RCFD2122 | $149.24B |
| Total Loans and Leases, Net of Unearned Income (domestic offices) | RCON2122 | $149.24B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCFDA570 | $80.10B |
| Pledged Loans and Leases | RCFDG378 | $73.00B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens (consolidated) | RCFD5367 | $37.43B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens (domestic offices) | RCON5367 | $37.43B |
| Commercial and Industrial Loans to U.S. Addressees (consolidated) | RCFD1763 | $26.76B |
| Commercial and Industrial Loans to U.S. Addressees (domestic offices) | RCON1763 | $26.76B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCFDA247 | $22.33B |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions (consolidated) | RCFDJ454 | $21.99B |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions (domestic offices) | RCONJ454 | $21.99B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit (consolidated) | RCFD1797 | $20.11B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit (domestic offices) | RCON1797 | $20.11B |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $17.98B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $16.72B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCFDA574 | $12.21B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $10.49B |
| Loans Secured by Other Nonfarm Nonresidential Properties. (consolidated) | RCFDF161 | $10.17B |
| Loans Secured by Other Nonfarm Nonresidential Properties. (domestic offices) | RCONF161 | $10.17B |
| Loans to private equity funds (consolidated) | RCFDPV07 | $9.77B |
| Loans to private equity funds (domestic offices) | RCONPV07 | $9.77B |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (consolidated) | RCFDK207 | $8.74B |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (domestic offices) | RCONK207 | $8.74B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties (consolidated) | RCFD1460 | $8.04B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties (domestic offices) | RCON1460 | $8.04B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCFDA572 | $6.93B |
| Loans to business credit intermediaries (consolidated) | RCFDPV06 | $6.13B |
| Loans to business credit intermediaries (domestic offices) | RCONPV06 | $6.13B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.35B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCFDA573 | $5.28B |
| Other loans to nondepository financial institutions (consolidated) | RCFDPV09 | $4.64B |
| Other loans to nondepository financial institutions (domestic offices) | RCONPV09 | $4.64B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties (consolidated) | RCFDF160 | $4.00B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties (domestic offices) | RCONF160 | $4.00B |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans (consolidated) | RCFDF159 | $4.00B |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans (domestic offices) | RCONF159 | $4.00B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCFDA571 | $3.20B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCFDA575 | $2.89B |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCFD2746 | $2.14B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $2.12B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards (consolidated) | RCFDB538 | $1.91B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards (domestic offices) | RCONB538 | $1.91B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.46B |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) (consolidated) | RCFDK137 | $1.37B |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) (domestic offices) | RCONK137 | $1.37B |
| Commercial and Industrial Loans to Non-u.s. Addressees (consolidated) | RCFD1764 | $1.28B |
| Commercial and Industrial Loans to Non-u.s. Addressees (domestic offices) | RCON1764 | $1.28B |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCFDHK25 | $1.18B |
| Loans to consumer credit intermediaries (consolidated) | RCFDPV08 | $1.14B |
| Loans to consumer credit intermediaries (domestic offices) | RCONPV08 | $1.14B |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $1.08B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.07B |
| All Other Lease Financing Receivables | RCFDF163 | $1.06B |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $1.06B |
| Loans Secured by 1-4 Family Residential Construction (consolidated) | RCFDF158 | $746.2M |
| Loans Secured by 1-4 Family Residential Construction (domestic offices) | RCONF158 | $746.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans (consolidated) | RCFDB539 | $559.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans (domestic offices) | RCONB539 | $559.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $539.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) (consolidated) | RCFDJ451 | $462.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) (domestic offices) | RCONJ451 | $462.9M |
| Loans for purchasing or carrying securities, including margin loans (consolidated) | RCFD1545 | $406.0M |
| Loans for purchasing or carrying securities, including margin loans (domestic offices) | RCON1545 | $406.0M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $345.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCFDK163 | $311.7M |
| Loans to mortgage credit intermediaries (consolidated) | RCFDPV05 | $304.6M |
| Loans to mortgage credit intermediaries (domestic offices) | RCONPV05 | $304.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $177.2M |
| Loans to Banks in Foreign Countries | RCONB535 | $134.1M |
| Loans to Other Banks in Foreign Countries | RCFDB537 | $134.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens (consolidated) | RCFD5368 | $80.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens (domestic offices) | RCON5368 | $80.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $79.4M |
| Outstanding Credit Card Fees & Finance Charges | RCFDC391 | $62.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $40.3M |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) | RCFDB837 | $24.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCFDK165 | $21.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $9.3M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. (consolidated) | RCFD2107 | $3.7M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. (domestic offices) | RCON2107 | $3.7M |
| Total Carrying Amount of Closed-end Loans with Negative Amortization Features Secure by 1-4 Family Residential Properties | RCONF230 | $2.6M |
| Loans to Depository Institutions and Acceptances of Other Banks: to Commercial Banks in the U.S. | RCONB531 | $73K |
| Loans to Other Commercial Banks in the U.S. | RCFDB533 | $73K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $507.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $501.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $414.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $305.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $40.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.0M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 38,181 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 4,025 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 2,363 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,118 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 377 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 45 |
Schedule RC-D: Trading Assets and Liabilities (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Revaluation Losses on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCFD3547 | $941.3M |
| Revaluation Gains on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCFD3543 | $509.7M |
| Unpaid Principal Balances of Loans Measured at Fair Value - Commercial and Industrial Loans | RCFDF632 | $153.0M |
| Trading Assets - Commercial and Industrial Loans | RCFDF614 | $146.0M |
| Liability for Short Positions | RCFD3546 | $65.0M |
| Unpaid Principal Balances of Loans Measured at Fair Value - Other Loans | RCFDF636 | $2.7M |
| Other Trading Assets (in Domestic Offices) | RCFD3541 | $495K |
| Other Trading Liabilities | RCFDF624 | $185K |
Schedule RC-E: Deposit Liabilities (41 items)
About Schedule RC-E · Citizens Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $95.76B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $94.90B |
| Total Transaction Accounts | RCON2215 | $92.97B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $85.69B |
| Total Demand Deposits (See Note Below) | RCON2210 | $60.12B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $51.18B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $25.40B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $25.28B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $23.75B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $22.52B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $19.16B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $13.20B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $9.99B |
| Total reciprocal deposits | RCONJH83 | $8.92B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $8.23B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $7.27B |
| Preferred Deposits | RCON5590 | $7.18B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.03B |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $7.02B |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $6.79B |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $6.56B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $5.58B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $4.95B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $4.95B |
| Total Brokered Deposits | RCON2365 | $4.95B |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.64B |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.52B |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $3.40B |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $3.26B |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $3.15B |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.12B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $1.14B |
| Sweep deposits: Fully insured, affiliate sweep deposits | RCONMT87 | $1.14B |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $859.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $337.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $202.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $40.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $29.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $9.3M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $4.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.9M |
Schedule RC-E, Part I: Deposit Liabilities in Domestic Offices (2 items)
About Schedule RC-E, Part I · Citizens Bank, N.A. deposit liabilities in domestic offices trends
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCFD2168 | $4.79B |
| Accounts Receivable | RCFDFT34 | $2.47B |
| Life Insurance Assets: General Account Life Insurance Assets | RCFDK201 | $1.74B |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCFDK270 | $1.43B |
| Net Deferred Tax Assets | RCFD2148 | $1.16B |
| Accrued Interest Receivable | RCFDB556 | $1.04B |
| Historical Cost of All Other Available-for-sale Equity Securities | RCFD1752 | $943.1M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCFDK202 | $249.3M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCFD2938 | $2.79B |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCFD3552 | $1.10B |
| Operating lease liabilities | RCFDLB56 | $1.04B |
| Other Expenses Accrued and Unpaid | RCFD3646 | $562.3M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCFDB557 | $214.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $93.2M |
Schedule RC-K: Quarterly Averages (20 items)
About Schedule RC-K · Citizens Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCFD3368 | $229.96B |
| Quarterly Average of Total Loans | RCON3360 | $146.86B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $75.63B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $56.62B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $46.15B |
| Mortgage-backed Securities | RCFDB559 | $38.11B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $29.01B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $27.05B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.24B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $11.52B |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCFD3381 | $10.33B |
| Quarterly Average of Other Borrowed Money | RCFD3355 | $9.55B |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $6.80B |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCFDB558 | $4.52B |
| All Other Securities | RCFDB560 | $3.92B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $1.87B |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCFD3484 | $1.06B |
| Quarterly Average of Assets Held in Trading Accounts | RCFD3401 | $773.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCFD3353 | $56.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCFD3365 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (65 items)
About Schedule RC-L · Citizens Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCFDG403 | $2.83B |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of One Year or Less. | RCFDG406 | $698.3M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over Five Years | RCFDG408 | $44.9M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over One Year Through Five Years | RCFDG407 | $2.08B |
| Notional Amount of Sold Credit Protection: Subinnvestment Grade - with Remaining Maturity of One Year or Less. | RCFDG409 | $5.4M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCFDG410 | $5.5M |
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCFDG418 | $509.9M |
| Over the Counter Derivatives: Net Current Credit Exposure - Corporations and All Other Counterparties | RCFDG422 | $585.0M |
| Over the Counter Derivatives: Fair Value of Collateral: Cash U.S. Dollar - Banks and Securities Firms | RCFDG423 | $521.1M |
| Over the Counter Derivatives: Fair Value of Collateral: Cash U.S. Dollar - Corporations and All Other Counterparties | RCFDG427 | $67.6M |
| Over the Counter Derivatives: Fair Value of Collateral: Total Fair Value of Collateral (Sum of Items 16.B.(1) Through (7) - Banks and Securities Firms | RCFDG458 | $521.1M |
| Over the Counter Derivatives: Fair Value of Collateral: Total Fair Value of Collateral (Sum of Items 16.B.(1) Through (7) - Corporations and All Other Counterparties | RCFDG462 | $67.6M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCFD3450 | $221.35B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCFDA126 | $183.37B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCFD8725 | $80.48B |
| Total Gross Notional Amount of Foreign Exchange Derivative Contracts Held for Trading | RCFDA127 | $36.76B |
| Other Unused Commitments: Commercial and Industrial Loans | RCFDJ457 | $36.62B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCFD3814 | $31.36B |
| Foreign Exchange Swaps | RCFD3826 | $26.84B |
| Purchased OTC Interest Rate Option Contracts | RCFD8713 | $25.28B |
| Other unused commitments: Loans to nondepository financial institutions | RCFDPV11 | $22.48B |
| Total Gross Notional Amount of Commodity and Other Derivative Contracts Held for Trading | RCFD8724 | $14.13B |
| Unused Commitments - Credit Card Lines | RCFD3815 | $12.81B |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCFDJ455 | $11.16B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCFDA589 | $9.87B |
| Other unused commitments: Loans to private equity funds | RCFDPV14 | $9.84B |
| Commodity and Other Swaps | RCFD8720 | $9.48B |
| Interest Rate Forward Contracts | RCFD8697 | $8.72B |
| Written OTC Interest Rate Option Contracts | RCFD8709 | $7.49B |
| Foreign Exchange Forward Contracts | RCFD8698 | $6.71B |
| Other unused commitments: Other loans to nondepository financial institutions | RCFDPV16 | $6.41B |
| All Other Off-balance Sheet Liabilities | RCFD3430 | $5.24B |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCFDC978 | $5.24B |
| Other unused commitments: Loans to business credit intermediaries | RCFDPV13 | $3.59B |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCFDF165 | $3.37B |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCFDC974 | $2.83B |
| Purchased OTC Commodity and Other OTC Option Contracts | RCFD8716 | $2.51B |
| Other Unused Commitments: All Other Unused Commitments | RCFDJ459 | $2.46B |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCFD3819 | $2.43B |
| Written OTC Commodity and Other OTC Option Contracts | RCFD8712 | $2.17B |
| Other unused commitments: Loans to consumer credit intermediaries | RCFDPV15 | $2.10B |
| Credit Card Lines: Other Unused Credit Card Lines | RCFDJ456 | $1.65B |
| Purchased OTC Foreign Exchange Option Contracts | RCFD8714 | $1.61B |
| Written OTC Foreign Exchange Option Contracts | RCFD8710 | $1.61B |
| Interest Rate Futures Contracts | RCFD8693 | $957.2M |
| Gross Positive Fair Value of Commodity and Other Derivative Contracts Held for Trading | RCFD8736 | $628.7M |
| Spot Foreign Exchange Contracts | RCFD8765 | $621.4M |
| Gross Negative Fair Value of Commodity and Other Derivative Contracts Held for Trading | RCFD8740 | $585.0M |
| 1-4 Family Residential Construction Loan Commitments | RCFDF164 | $580.1M |
| Gross Positive Fair Value of Foreign Exchange Derivative Contracts Held for Trading | RCFD8734 | $578.0M |
| Amount of Financial Standby Letters of Credit Conveyed to Others | RCFD3820 | $554.7M |
| Other unused commitments: Loans to mortgage credit intermediaries | RCFDPV12 | $528.9M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCFD8737 | $502.7M |
| Gross Negative Fair Value of Foreign Exchange Derivative Contracts Held for Trading | RCFD8738 | $367.8M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCFD8741 | $223.6M |
| Performance Standby Letters of Credit | RCFD3821 | $197.7M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCFD8733 | $127.3M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCFD6550 | $124.8M |
| Commercial and Similar Letters of Credit | RCFD3411 | $100.7M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCFD8745 | $80.8M |
| Purchased Exchange-traded Interest Rate Option Contracts | RCFD8705 | $45.0M |
| Amount of Performance Standby Letters of Credit Conveyed to Others | RCFD3822 | $40.2M |
| Total Gross Notional Amount of Commodity and Other Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCFD8728 | $35.6M |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCFDC220 | $18.0M |
| Gross Negative Fair Value of Commodity and Other Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCFD8748 | $1.5M |
Schedule RC-M: Memoranda (19 items)
About Schedule RC-M · Citizens Bank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCFDF055 | $6.35B |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDF061 | $3.34B |
| Estimated Fair Value of Mortgage Servicing Assets | RCFDA590 | $1.48B |
| Mortgage Servicing Assets | RCFD3164 | $1.48B |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCFDF065 | $1.38B |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCFDF063 | $876.3M |
| FHLB Advances (Loans) Due in One Year or Less | RCFD2651 | $600.4M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCFDF060 | $507.3M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCFDB571 | $506.7M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCFDF062 | $428.3M |
| All other intangible assets | RCFDJF76 | $97.6M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $16.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCFDF058 | $11.5M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCFD6164 | $6.7M |
| Outstanding balance of PPP loans | RCONLG27 | $3.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDF056 | $1.3M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $312K |
| Number of outstanding PPP Loans | RCONLG26 | 133 |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCFD6165 | 6 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (68 items)
About Schedule RC-N · Citizens Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCFD1403 | $1.44B |
| Additions to Nonaccrual Assets | RCFDC410 | $785.7M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCFD1407 | $590.7M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 90 Days or More and Still Accruing | RCFDK037 | $582.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $580.2M |
| Rebooked 'Gnma Loans' That Have Been Repurchased or Are Eligible for Repurchase Included in Item 10 - Past Due 90 Days or More and Still Accruing | RCFDK043 | $576.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCFD1406 | $460.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $331.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCFDHK28 | $312.9M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $306.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $225.8M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Nonaccrual | RCFD1253 | $180.8M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $169.0M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $117.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $113.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $109.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $73.0M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCFDK216 | $66.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Other Construction Loans and All Land Development and Other Land Loans-nonaccrual | RCONK110 | $63.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $60.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCFDK122 | $54.5M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCFDK213 | $52.4M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCFDK036 | $48.7M |
| Rebooked 'Gnma Loans' That Have Been Repurchased or Are Eligible for Repurchase Included in Item 10 - Past Due 30 Through 89 Days and Still Accruing | RCFDK042 | $44.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCFDHK26 | $40.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $39.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 90 Days or More and Still Accruing | RCONF662 | $38.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 90 Days or More and Still Accruing | RCFDHK27 | $38.4M |
| Nonaccrual Assets Sold During the Quarter | RCFDC411 | $38.3M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCFDK218 | $34.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $29.1M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $28.2M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCFDK038 | $22.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual (domestic offices) | RCONK117 | $22.4M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Past Due 30-89 Days and Still Accruing | RCFD1251 | $21.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCFDB575 | $21.0M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCFDK215 | $19.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Nonaccrual | RCFDB577 | $19.5M |
| All Other Loans - Nonaccrual | RCFD5461 | $16.6M |
| All Other Leases, Nonaccrual | RCFDF171 | $15.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Multifamily Residential Properties in Domestic Offices: Nonaccrual | RCONK113 | $15.5M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCFDK041 | $15.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $13.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $12.9M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities - Nonaccrual | RCFD6560 | $11.6M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 90 Days or More and Still Accruing | RCFDK040 | $5.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $4.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $4.2M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCFDK039 | $3.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCFDK128 | $2.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual (domestic offices) | RCONK116 | $2.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCFDK126 | $2.2M |
| Debt Securities and Other Assets - Past Due 90 Days or More and Still Accruing | RCFD3506 | $2.0M |
| Loan Mod to Borrowers Experiencing Fin Dfclty : Commercial and Industrial Loans - to US Addressees - Past Due 30 Through 89 Days and Still Accruing | RCFDK120 | $1.8M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $1.8M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCFDK217 | $1.7M |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) - Past Due 30-89 Days and Still Accruing | RCFD1248 | $1.6M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 90 Days or More and Still Accruing | RCON3500 | $1.3M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Past Due 90 Days or More and Still Accruing | RCFD1252 | $1.3M |
| Debt Securities and Other Assets - Past Due 30 Through 89 Days and Still Accruing | RCFD3505 | $1.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Multifamily Residential Properties in Domestic Offices: Past Due 30 Through 89 Days and Still Accruing | RCONK111 | $1.0M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $842K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $730K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Past Due 30 Through 89 Days and Still Accruing | RCONK114 | $481K |
| All Other Leases, Past Due 30-89 Days and Still Accruing | RCFDF169 | $278K |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) - Nonaccrual | RCFD1250 | $190K |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Nonaccrual | RCFDPV25 | $130K |
| Loans and Leases Held for Sale | RCFDC226 | $119K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (25 items)
About Schedule RC-O · Citizens Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of One Year or Less | RCFDG465 | $98.6M |
| Unsecured Other Borrowings with a Remaining Maturity of Over One Year Through Three Years | RCFDG466 | $1.55B |
| Unsecured Other Borrowings with a Remaining Maturity of Over Three Years Through Five Years | RCFDG467 | $1.25B |
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCFDG468 | $875.0M |
| Subordinated Notes and Debentures with a Remaining Maturity of Over Five Years | RCFDG472 | $1.12B |
| Average Consolidated Total Assets for the Calendar Quarter | RCFDK652 | $229.96B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCFDF236 | $199.15B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $102.59B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $93.03B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $89.62B |
| Average Tangible Equity for the Calendar Quarter | RCFDK654 | $20.68B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $6.79B |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.36B |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCFDK676 | $2.87B |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCFDN179 | $881.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $164.7M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCFDN181 | $60.4M |
| Portion of Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms and Are Guaranteed or Insured by the U.S. Government (Including the FDIC) (Included in Schedule Rc-c, Part I, | RCFDL189 | $42.6M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCFDN178 | $25.9M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - All Other Loans to Individuals for Household, Family, and Other Personal Expenditures | RCFDN183 | $21.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,374,227 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 184,843 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 77,508 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 307 |
| Averaging Method Used | RCFDK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $2.54B |
| Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale | RCONHT82 | $2.08B |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $920.4M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $597.7M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $17.2M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $9.8M |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $3.1M |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (38 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCFDG486 | $920.4M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCFDG483 | $920.4M |
| Trading Derivative Assets - Less Amounts Netted in the Determination of Total Fair Value | RCFDG493 | $824.2M |
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCFDG495 | $1.33B |
| Other Trading Assets - Level 2 Fair Value Measurements | RCFDG500 | $149.3M |
| Other Trading Assets - Total Fair Value Reported on Schedule Rc | RCFDG497 | $149.3M |
| Trading Derivative Liabilities - Less Amounts Netted in the Determination of Total Fair Value | RCFDG512 | $514.3M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCFDG514 | $1.46B |
| Other Trading Liabilities - Level 2 Fair Value Measurements | RCFDG519 | $65.2M |
| Other Trading Liabilities - Total Fair Value Reported on Schedule Rc | RCFDG516 | $65.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCFDG502 | $40.87B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCFDJA36 | $37.76B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCFDG505 | $35.64B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCFDG476 | $33.02B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCFDG475 | $4.75B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCFDG504 | $4.75B |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCFDG534 | $1.60B |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCFDG391 | $1.52B |
| All Other Assets - Level 3 Fair Value Measurements | RCFDG804 | $1.49B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCFDG506 | $1.49B |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Level 3 Fair Value Measurements | RCFDG540 | $1.48B |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Total Fair Value Reported on Schedule Rc | RCFDG536 | $1.48B |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCFDG531 | $1.07B |
| Total Assets Measured at Fair Value on a Recurring Basis - Less Amounts Netted in the Determination of Total Fair Value | RCFDG503 | $1.01B |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCFDHT87 | $920.4M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCFDHT91 | $900.6M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Less Amounts Netted in the Determination of Total Fair Value | RCFDG532 | $529.5M |
| All Other Assets - Level 2 Fair Value Measurements | RCFDG396 | $214.9M |
| All Other Assets - Less Amounts Netted in the Determination of Total Fair Value | RCFDG392 | $181.7M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCFDG569 | $80.3M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCFDG808 | $80.3M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCFDG566 | $67.0M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCFDG805 | $67.0M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities- Less Amounts Netted in the Determination of Total Fair Value | RCFDG567 | $15.2M |
| All Other Liabilities - Less Amounts Netted in the Determination of Total Fair Value | RCFDG806 | $15.2M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 3 Fair Value Measurement | RCFDG570 | $2.0M |
| All Other Liabilities - Level 3 Fair Value Measurements | RCFDG809 | $2.0M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCFDG535 | $2.0M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (34 items)
About Schedule RC-R, Part I · Citizens Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCFAKW03 | $229.96B |
| Average Total Assets (Net of Deductions) | RCFAA224 | $222.31B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCFAA223 | $175.10B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCFAP840 | $26.48B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCFA3792 | $24.07B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCFAP742 | $22.35B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCFA8274 | $20.87B |
| Common Equity Tier 1 Capital | RCFAP859 | $20.87B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCFAP852 | $20.87B |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCFAP875 | $7.85B |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCFAP841 | $7.60B |
| Retained Earnings | RCFAKW00 | $6.37B |
| Tier 2 (Supplementary) Capital | RCFA5311 | $3.21B |
| Tier 2 Capital Before Deductions | RCFAP870 | $3.21B |
| Accumulated Other Comprehensive Income | RCFAB530 | -$2.24B |
| General Loan and Lease Valuation Allowances | RCFA5310 | $2.08B |
| Tier 2 Capital Instruments Plus Related Surplus | RCFAP866 | $1.12B |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP844 | -$1.10B |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP848 | -$628.2M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP846 | -$286.0M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP847 | -$225.0M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCFAB596 | -$198.4M |
| Less: All Other Deductions from (Additions to) Common Equity Tier 1 Capital Before Threshold-based Deductions | RCFAP850 | $88.4M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCFAP842 | $87.0M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCFAP843 | $74.7M |
| Additional Tier 1 Capital | RCFAP865 | $75K |
| Additional Tier 1 Capital Before Deductions | RCFAP863 | $75K |
| Additional Tier 1 Capital Instruments Plus Related Surplus | RCFAP860 | $75K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCFA7205 | 0.1375 |
| Common Equity Tier 1 Capital Ratio | RCFAP793 | 0.1192 |
| Tier 1 Risk-based Capital Ratio | RCFA7206 | 0.1192 |
| Tier 1 Leverage Capital Ratio | RCFA7204 | 0.0939 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCFAH311 | 0.0575 |
Schedule RC-R, Part II: Risk-Weighted Assets (142 items)
About Schedule RC-R, Part II · Citizens Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Interest Rate - One Year or Less | RCFDS603 | $175.87B |
| Total Risk-weighted Assets | RCFDG641 | $175.10B |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCFDS580 | $174.67B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCFDG637 | $135.84B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCFDG633 | $135.84B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCFDD990 | $106.93B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCFDS457 | $79.89B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCFDS462 | $79.56B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCFDS439 | $60.05B |
| Unconditionally Cancellable Commitments | RCFDS540 | $49.42B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCFDG624 | $46.79B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCFDG632 | $44.06B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCFDD989 | $44.06B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCFDS442 | $43.21B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCFDS582 | $37.55B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCFDJA21 | $37.47B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCFDS583 | $37.19B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCFDG630 | $36.06B |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCFDD987 | $36.06B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCFDG631 | $30.04B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCFDD988 | $28.13B |
| Total All Other Assets | RCFDD981 | $25.80B |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCFDG625 | $23.40B |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCFDG629 | $23.34B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCFDG636 | $22.03B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCFDD968 | $20.40B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Foreign Exchange Rate and Gold - One Year or Less | RCFDS585 | $19.66B |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCFDD967 | $18.50B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCFDS443 | $15.67B |
| Total Cash and Balances Due from Depository Institutions | RCFDD957 | $13.34B |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCFDS500 | $12.62B |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCFDD958 | $11.89B |
| All Other Assets - 100 Pct Risk Weight Category | RCFDD985 | $11.16B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Foreign Exchange Rate and Gold - Over One Year Through Five Years | RCFDS586 | $9.66B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCFDS525 | $8.63B |
| All Other Assets - Adjustments to Totals Reported in Column a | RCFDS469 | $8.39B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Other - Over One Year Through Five Years | RCFDS601 | $8.04B |
| Total Held-to-maturity Securities | RCFDD961 | $7.34B |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCFDS491 | $7.10B |
| Total On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures | RCFDS490 | $7.10B |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCFDG635 | $6.01B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCFDS584 | $5.75B |
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Foreign Exchange Rate and Gold - One Year or Less | RCFDS606 | $5.34B |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCFDS573 | $5.23B |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCFDS496 | $5.00B |
| Total Off-balance Sheet Securitization Exposures | RCFDS495 | $5.00B |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCFDD963 | $4.61B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Other - One Year or Less | RCFDS600 | $3.60B |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCFDD962 | $3.57B |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCFDS542 | $2.81B |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCFDD992 | $2.43B |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCFDD991 | $2.43B |
| All Other Assets - 0 Pct Risk Weight Category | RCFDD982 | $2.10B |
| All Other Assets - 250 Pct Risk Weight Category | RCFDH293 | $2.09B |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCFDS504 | $2.09B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCFDS562 | $2.09B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over One Year Through Five Years | RCFDS589 | $2.08B |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCFDD996 | $1.88B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCFDS526 | $1.73B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCFDS530 | $1.73B |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCFDH300 | $1.69B |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCFDH296 | $1.68B |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCFDS547 | $1.61B |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCFDH297 | $1.57B |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCFDS572 | $1.44B |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCFDS402 | -$1.43B |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures -Ssfa Risk Weight Exposure, by Calculation Method | RCFDS493 | $1.42B |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCFDD959 | $1.33B |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCFDS545 | $1.20B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCFDS441 | $1.16B |
| Off-balance Sheet Securitization Exposures - Ssfa Risk Weight Exposure, by Calculation Method | RCFDS498 | $1.00B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCFDS561 | $957.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCFDS503 | $938.4M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCFDS413 | $920.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCFDS449 | $904.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCFDS455 | $893.9M |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCFDS399 | -$831.2M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCFDS416 | $784.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - One Year or Less | RCFDS588 | $698.3M |
| Total Trading Assets | RCFDD976 | $659.0M |
| Trading Assets - Adjustments to Totals Reported in Column a | RCFDS466 | $659.0M |
| Centrally Cleared Derivatives - 4 Pct Risk Weight Category | RCFDS552 | $591.6M |
| Centrally Cleared Derivatives - Credit Equivalent Amount | RCFDS549 | $591.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 4 Pct Risk Weight Category | RCFDS559 | $591.6M |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCFDD994 | $555.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Foreign Exchange Rate and Gold - Over Five Years | RCFDS587 | $502.2M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCFDG642 | $497.0M |
| Standardized Market Risk-weighted Assets Applicable Only to Hcs That Are Covered by Market Risk Capital Rule | RCFDS581 | $431.9M |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCFDS436 | $388.8M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCFDS431 | $388.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCFDD983 | $369.4M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCFDG619 | $362.3M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCFDG618 | $362.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Other - Over Five Years | RCFDS602 | $353.3M |
| On-balance Sheet Securitization Exposures, Held-to-maturity Securities - Adjustments to Total Reported in Column a | RCFDS476 | $294.5M |
| Total On-balance Sheet Securitization Exposures, Held-to-maturity Securities | RCFDS475 | $294.5M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCFDS481 | $288.3M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCFDS480 | $288.3M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCFDG623 | $284.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCFDD997 | $197.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCFDS460 | $170.1M |
| Cash and Balances Due from Depository Institutions - 100 Pct Risk Weight Category | RCFDD960 | $111.2M |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCFDJJ30 | $102.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCFDD998 | $98.8M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCFDS415 | $96.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - Adjustments to Totals Reported in Column a | RCFDS458 | $89.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCFDG605 | $78.7M |
| All Other Off- Balance Sheet Liabilities - 20 Pct Risk Weight Category | RCFDG621 | $78.3M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCFDG606 | $62.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCFDS461 | $61.7M |
| On-balance Sheet Securitization Exposures, Held-to-maturity Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCFDS478 | $58.9M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCFDS483 | $58.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over Five Years | RCFDS590 | $44.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCFDG627 | $42.3M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCFDS447 | $39.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCFDS445 | $39.5M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCFDS417 | $39.4M |
| Risk-weighted Assets by Risk-weighted Category - 4 Pct Risk Weight Category | RCFDS570 | $23.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 20 Pct Risk Weight Category | RCFDG603 | $20.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCFDS539 | $17.8M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCFDG607 | $12.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - Adjustments to Totals Reported in Column a | RCFDS450 | $10.7M |
| All Other Assets, Default Fund Contributions to Central Counterparties - Application of Other Risk Weighting Approaches Exposure Amount | RCFDH298 | $10.0M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 20 Pct Risk Weight Category | RCFDG609 | $6.4M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCFDS592 | $5.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - One Year or Less | RCFDS591 | $5.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 150 Pct Risk Weight Category | RCFDS463 | $4.6M |
| Cash and Balances Due from Depository Institutions - Adjustments to Totals Reported in Column a | RCFDS396 | $4.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCFDS459 | $3.3M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCFDG611 | $2.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - Adjustments to Totals Reported in Column a | RCFDS440 | $2.7M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 50 Pct Risk Weight Category | RCFDG610 | $2.5M |
| All Other Assets, Default Fund Contributions to Central Counterparties - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCFDH299 | $1.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCFDG626 | $1.2M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCFDD969 | $1.1M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 150 Pct Risk Weight Category | RCFDS513 | $762K |
| Cash and Balances Due from Depository Institutions - 50 Pct Risk Weight Category | RCFDS397 | $539K |
| Cash and Balances Due from Depository Institutions - 150 Pct Risk Weight Category | RCFDS398 | $379K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% | RCFDS531 | $221K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCFDS527 | $213K |
| All Other Assets - 50 Pct Risk Weight Category | RCFDD984 | $204K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCFDH185 | $11K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCFDB805 | $94.49B |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCFDA591 | $2.51B |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCFDF699 | $228.6M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCFDB790 | $93.5M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCFDB804 | $93.5M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - All Other Loans | RCFDB796 | $78.3M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: All Other Loans | RCFDB803 | $78.3M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCFDB797 | $4.3M |
Schedule RC-T: Fiduciary and Related Services (47 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCFDB894 | $3.53B |
| Investment Management Agency Accounts - Managed Assets | RCFDB886 | $1.87B |
| Custody and Safekeeping Accounts - Non-managed Assets | RCFDB898 | $1.85B |
| Personal Trust and Agency Accounts - Managed Assets | RCFDB868 | $943.1M |
| Total Fiduciary Accounts - Non-managed Assets | RCFDB895 | $339.0M |
| Employee Benefit-defined Contribution - Managed Assets | RCFDB872 | $309.7M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCFDJ255 | $226.4M |
| Other Retirement Accounts - Managed Assets | RCFDB880 | $140.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCFDJ259 | $136.8M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCFDB873 | $101.8M |
| Employee Benefit-defined Benefit - Non-managed Asssets | RCFDB877 | $90.9M |
| Personal Trust and Agency Accounts - Non-managed | RCFDB869 | $82.5M |
| Other Retirement Accounts - Non-managed Assets | RCFDB881 | $47.2M |
| Employee Benefit-defined Benefit - Managed Assets | RCFDB876 | $28.9M |
| Corporate Trust and Agency Accounts - Managed Assets | RCFDB884 | $16.6M |
| Corporate Trust and Agency Accounts - Non-managed Assets | RCFDB885 | $13.3M |
| Income from Fiduciary Activities | RIAD4070 | $11.7M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $4.6M |
| Personal Trust and Agency Accounts | RIADB904 | $4.1M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCFDJ253 | $3.2M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $703K |
| Custody and Safekeeping Accounts | RIADB909 | $648K |
| Other Fiduciary and Related Services Income | RIADB910 | $583K |
| Other Retirement Accounts | RIADB907 | $535K |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCFDJ260 | $490K |
| Employee Benefit-defined Contribution | RIADB905 | $280K |
| Employee Benefit-defined Benefit | RIADB906 | $131K |
| Gross Fees, Commissions and Other Fiduciary Income: Corporate Trust and Agency Accounts | RIADA479 | $106K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCFDB896 | 1,288 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCFDB888 | 519 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCFDB870 | 493 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCFDB899 | 448 |
| Other Retirement Accounts - Number of Managed Accounts | RCFDB882 | 201 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCFDJ261 | 199 |
| Total Fiduciary Accounts - Non-managed Accounts | RCFDB897 | 115 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCFDJ257 | 56 |
| Corporate Trust and Agency Accounts - Number of Non-managed Accounts | RCFDC002 | 47 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCFDB871 | 36 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCFDB875 | 17 |
| Corporate Trust and Agency Accounts - Number of Managed Accounts | RCFDC001 | 9 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCFDB883 | 7 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCFDB874 | 6 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCFDB878 | 4 |
| Employee Benefit-defined Benefit - Number of Non-managed Accounts | RCFDB879 | 4 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCFDJ262 | 3 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCFDJ254 | 3 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCFDJ258 | 1 |
Schedule RC-V: Variable Interest Entities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets of considated variable interest entites (VIEs) that can be used only to settle obligations of the consolidated VIEs, Loans and Leases held for investment and held for sale, net of allowance, Other VIEs | RCFDHU23 | $1.23B |
| Liabilities of consolidated VIEs for which creditors do not have recourse to the general credit of the reporting bank: Other borrowed money, Other VIEs | RCFDJF85 | $928.1M |
| Assets of consoidated variable interest entites (VIEs) that can be used only to settle obligatons of the consolidated VIEs: Cash and balances due from depository institutions, Other VIEs | RCFDJF84 | $120.0M |
| Assets of consoidated variable interest entites (VIEs) that can be used only to settle obligatons of the consolidated VIEs: Other assets, Other VIEs | RCFDJF90 | $10.1M |
| Liabilities of consolidated VIEs for which creditors do not have recourse to the general credit of the reporting bank: Other liabilities, Other VIEs | RCFDJF86 | $2.2M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $26.84B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $26.84B |
| Total Equity Capital | RIAD3210 | $26.48B |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.20B |
| Other Comprehensive Income | RIADB511 | -$293.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (28 items)
About Schedule RI-B, Part I · Citizens Bank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $349.5M |
| Charge-offs on Commercial and Industrial Loans to U.S. Addressees | RIAD4645 | $114.9M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $75.7M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $68.4M |
| Charge-offs on Loans to Credit Cards | RIADB514 | $50.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $42.7M |
| Charge-offs on All Other Loans | RIAD4644 | $21.2M |
| Recoveries on Commercial and Industrial Loans to U.S. Addressees (Domicile) | RIAD4617 | $17.7M |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $16.6M |
| Charge-offs on Automobile Loans | RIADK129 | $15.4M |
| Recoveries on Automobile Loans | RIADK133 | $13.6M |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $12.0M |
| Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3588 | $11.2M |
| Uncollectible Credit Card Fees & Finance Charges Reversed Against Income (I.e., Not Included in Charge-offs Against the Allowance for Loan and Lease Losses) | RIADC388 | $10.5M |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $7.1M |
| Recoveries on Loans to Credit Cards | RIADB515 | $6.9M |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $6.8M |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $6.6M |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $5.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $5.2M |
| Recoveries on All Other Loans | RIAD4628 | $2.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $251K |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $249K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $244K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $51K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $47K |
| Charge-offs on Commercial and Industrial Loans to Non-u.s. Addressees | RIAD4646 | $25K |
| Charge-offs on Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) | RIAD4652 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · Citizens Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.97B |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.94B |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $349.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$26.3M |
| Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A, 'Balance end of current period,' above) | RIADMG94 | $24.6M |
| Separate Valuation Allowance for Uncollectable Credit Card Fees & Finance Charges | RIADC389 | $3.9M |
Schedule RI-C, Part II: Disaggregated Data on the Allowance for Credit Losses, Part II (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCFDJJ11 | $147.93B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCFDJJ06 | $56.45B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCFDJJ07 | $53.46B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCFDJJ05 | $19.97B |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCFDJJ09 | $11.16B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCFDJJ04 | $4.49B |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCFDJJ08 | $2.39B |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCFDJJ19 | $1.97B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCFDJJ13 | $534.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCFDJJ15 | $521.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCFDJJ14 | $337.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCFDJJ17 | $333.0M |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCFDJJ16 | $178.6M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCFDJJ12 | $64.0M |
Schedule RI-E: Explanations (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $142.5M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $129.5M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $118.9M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $112.8M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $98.9M |
| Marketing and Other Professional Services | RIAD0497 | $86.8M |
| Consulting and Advisory Expense | RIADF557 | $85.0M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $61.4M |
| Data Processing Expenses | RIADC017 | $57.6M |
Citizens Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens Bank, N.A. call report?
The Citizens Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens Bank, N.A. file?
Citizens Bank, N.A. files the FFIEC 031. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens Bank, N.A. has Federal Reserve RSSD ID 3303298 and FDIC certificate number 57957. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 57957) · FFIEC NIC profile (RSSD 3303298)