Citizens Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.66 percentage points in Q2 2026, from 70.65% to 75.31%. It was the largest change from Q1 2026 among the key lines here. Among 5 Rhode Island banks, Citizens Bank, N.A. sits 2nd from the top on return on assets, 1.04% as of Q2 2026. The median for banks in the $100B-250B asset tier is 1.21% on return on assets. Citizens Bank, N.A. sits 0.17 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.92% |
| Tier 1 risk-based capital ratio | 11.92% |
| Total risk-based capital ratio | 13.75% |
| Tier 1 leverage ratio | 9.39% |
| Equity capital to assets | 11.39% |
| Tangible equity to tangible assets | 8.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.75% |
| Non-performing assets ratio | 1.13% |
| Net charge-off ratio | 0.37% |
| Texas ratio | 15.85% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 75.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 9.04% |
| Net interest margin | 3.23% |
| Efficiency ratio | 59.25% |
| Yield on earning assets | 4.92% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.08% |
| Core deposits to total deposits | 93.78% |
| Brokered deposits to total deposits | 2.62% |
| Deposits to assets | 81.17% |
| Securities to assets | 19.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.08% | 11.08% | 12.81% | 9.06% | 0.85% |
| Q4 2023 | 11.28% | 11.28% | 13.05% | 8.86% | 0.36% |
| Q1 2024 | 11.44% | 11.44% | 13.31% | 9.01% | 0.61% |
| Q2 2024 | 11.68% | 11.68% | 13.57% | 9.16% | 0.73% |
| Q3 2024 | 11.86% | 11.86% | 13.72% | 9.36% | 0.74% |
| Q4 2024 | 12.27% | 12.27% | 14.16% | 9.56% | 0.76% |
| Q1 2025 | 12.33% | 12.33% | 14.25% | 9.74% | 0.76% |
| Q2 2025 | 12.41% | 12.41% | 14.31% | 9.79% | 0.87% |
| Q3 2025 | 12.41% | 12.41% | 14.31% | 9.80% | 0.91% |
| Q4 2025 | 12.27% | 12.27% | 14.14% | 9.77% | 0.96% |
| Q1 2026 | 12.12% | 12.12% | 13.98% | 9.61% | 0.95% |
| Q2 2026 | 11.92% | 11.92% | 13.75% | 9.39% | 1.04% |
Citizens Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)