Citizens Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.20 percentage points higher than in Q1 2026, at 79.08%. Citizens Bank, N.A. has the 1st lowest loan-to-deposit ratio of the 5 banks headquartered in Rhode Island, at 79.08% as of Q2 2026. At 79.08%, Citizens Bank, N.A.'s loan-to-deposit ratio is close to the 81.12% median for banks in the $100B-250B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $149.24B |
| Net loans and leases | $147.27B |
| Loans held for sale | $1.31B |
| Loans to total assets | 64.19% |
| Loan-to-deposit ratio | 79.08% |
| Net loans to equity capital | 5.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.49% |
| Multifamily (5+ residential) | 5.38% |
| Commercial and industrial | 18.79% |
| Consumer | 8.43% |
| Credit cards | 1.28% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.84% |
| Construction concentration (Tier 1 capital + allowance) | 20.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.38% |
| Interest income on loans | $1.98B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $150.86B | $181.55B | 11.60% | 27.92% | 16.92% |
| Q4 2023 | $146.99B | $180.83B | 11.93% | 26.71% | 16.45% |
| Q1 2024 | $143.99B | $179.60B | 11.84% | 26.63% | 15.85% |
| Q2 2024 | $142.81B | $180.12B | 11.50% | 26.55% | 15.22% |
| Q3 2024 | $142.56B | $179.04B | 11.59% | 26.50% | 14.61% |
| Q4 2024 | $140.21B | $178.00B | 11.25% | 18.44% | 14.01% |
| Q1 2025 | $140.56B | $181.42B | 10.89% | 18.59% | 13.04% |
| Q2 2025 | $141.52B | $178.75B | 10.52% | 18.28% | 11.59% |
| Q3 2025 | $142.32B | $183.74B | 10.17% | 18.17% | 10.70% |
| Q4 2025 | $144.11B | $186.28B | 9.96% | 18.47% | 9.76% |
| Q1 2026 | $145.52B | $186.85B | 9.73% | 19.06% | 9.16% |
| Q2 2026 | $149.24B | $188.73B | 9.49% | 18.79% | 8.43% |
Citizens Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57957) · FFIEC NIC profile (RSSD 3303298)