Citibank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Citibank received FDIC open-bank assistance in November 2008 — one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. The bank currently ranks third on the Largest US Banks by Assets leaderboard. Citibank, N.A. is one of the largest US commercial banks by assets, headquartered in Sioux Falls, SD. The Q2 2026 balance sheet stands at $2.0T in assets, including $757.2B in loans. Earnings are mid-range, 1.03% ROA and a 2.85% net interest margin. Regulatory capital is solid, 13.79% CET1 and 14.71% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.55% NPL ratio. Citibank runs a 955-branch network across multiple states.
As of June 30, 2026, Citibank, N.A. reported a CET1 capital ratio of 13.79%, a return on assets of 1.03%, a nonperforming-loan ratio of 0.55%, a Texas ratio of 3.85%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 5800 S Corporate Pl, Sioux Falls, SD 57108
- County
- Lincoln
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- June 16, 1812
- Former names
- First National City Bank (1962-1976); The First National City Bank of NewYork (1955-1962)
- Offices
- 955 domestic
- Employees (FTE)
- 169,535
- Domestic deposits
- $896.65B
- Allowance for credit losses
- $17.66B
- Net charge-offs (YTD)
- $3.88B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7213
- Fed RSSD
- 476810
- SEC CIK
- 831001 → filed by CITIGROUP INC.
- Website
- www.citibank.com →
- Parent Holding Company
- CITICORP LLC (RSSD 3375370)
- Ultimate Parent
- CITIGROUP INC. (RSSD 1951350)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citibank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citibank, N.A.: Uninsured deposits.
Banks merged into Citibank, N.A.
- FDS Bank, effective October 24, 2005
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.79% | 1.03% | 0.55% | 3.85% | 2.85% |
| Q1 2026 | 13.77% | 1.04% | 0.58% | 4.05% | 2.91% |
| Q4 2025 | 14.33% | 0.74% | 0.60% | 3.93% | 2.94% |
| Q3 2025 | 14.01% | 0.92% | 0.64% | 3.98% | 2.93% |
| Q2 2025 | 13.76% | 0.81% | 0.59% | 3.76% | 2.93% |
| Q1 2025 | 13.97% | 0.86% | 0.51% | 3.54% | 2.98% |
| Q4 2024 | 13.83% | 0.63% | 0.51% | 3.63% | 2.90% |
| Q3 2024 | 13.93% | 0.83% | 0.46% | 3.32% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 667 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citibank, National Association | Sioux Falls , SD | 57108 | $637.70B |
| Www.Citibank.Com Branch | San Antonio , TX | 78245 | $31.01B |
| Ny Private Bank Branch | New York , NY | 10022 | $21.07B |
| 399 Park Avenue Branch | New York , NY | 10022 | $7.41B |
| Private Bank Branch - Miami Branch | Miami , FL | 33131 | $6.04B |
| Corporate Bank Office Branch | San Juan , PR | 00918 | $4.24B |
| Broadway-56th Street Branch | New York , NY | 10019 | $3.37B |
| Private Bank Branch - Los Angeles Branch | Los Angeles , CA | 90071 | $2.29B |
| Anaheim-Downtown Branch | Anaheim , CA | 92805 | $2.19B |
| Madison Avenue-42nd Street Branch | New York City , NY | 10017 | $2.04B |
| Flushing Branch | Flushing , NY | 11354 | $1.83B |
| Dearborn & Washington | Chicago , IL | 60602 | $1.66B |
| Dupont Circle | Washington , DC | 20036 | $1.64B |
| Lexington & 59th Branch | New York , NY | 10022 | $1.64B |
| Chinatown Branch | New York City , NY | 10013 | $1.61B |
| 5th Avenue & 52nd Branch | New York City , NY | 10103 | $1.52B |
| Third Avenue-46th Street Branch | New York City , NY | 10017 | $1.47B |
| One California Branch | San Francisco , CA | 94111 | $1.39B |
| 120 Broadway Branch | New York , NY | 10271 | $1.28B |
| 1790 Biscayne Blvd Branch | Miami , FL | 33137 | $1.20B |
| San Jose Main | San Jose , CA | 95113 | $1.10B |
| Okeechobee Branch | West Palm Beach , FL | 33417 | $1.08B |
| Newark Branch | Newark , NJ | 07102 | $1.06B |
| Aventura Boulevard Branch | Miami , FL | 33180 | $1.03B |
| Cypress Creek | Fort Lauderdale , FL | 33309 | $1.03B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2026 | Structure Change | Acquired Citishare Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired Department Stores National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2012 | Structure Change | Acquired Cal Fed Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | M&A | merger | SEC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Citicorp Trust Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | M&A | merger | SEC |
| July 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Citibank (South Dakota), N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 23, 2008 | FDIC Assistance | Open Bank Assistance | FDIC |
| November 23, 2008 | Failure | Failure / assisted resolution | FDIC FAILURES |
| January 1, 2007 | Structure Change | Acquired Citibank International Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2006 | Structure Change | Acquired Citibank (Delaware) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 30, 2003 | Structure Change | Acquired Citibank (New York State) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2002 | Structure Change | Acquired Universal Card Services Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2001 | Structure Change | Acquired European American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1998 | Structure Change | Acquired BHN Multibanco, S.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 1984 | Structure Change | Acquired Girod Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 1982 | Structure Change | Acquired Banco Regional De Ahorro De Bayamon Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 2, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1976 | Structure Change | Acquired Citibank (Mid-Hudson), National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 16, 1963 | Structure Change | Acquired First National City Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 1962 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 29 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Citibank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 21 against the institution (OCC); 17 against individuals associated with it
- July 10, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citibank, N.A.
- July 10, 2024, OCC: Civil Money Penalty (CMP): Citibank, N.A.
- October 7, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citibank, National Association
- October 7, 2020, OCC: Civil Money Penalty (CMP): Citibank, National Association
- January 17, 2020, OCC: Civil Money Penalty (CMP): Citibank, N.A.
- Period: Most recent institution action July 10, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 55.2% of deposits in SD, rank 1 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 54,784 applications, 15,812 loans originated, $18.19B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citibank, N.A.
What are Citibank, N.A.'s total assets?
As of the Q2 2026 filing, Citibank, N.A. reported total assets of $1.98 trillion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citibank, N.A. headquartered?
Citibank, N.A. is headquartered in Sioux Falls, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citibank, N.A. founded?
Citibank, N.A. was established in 1812, per the FDIC institution directory.
Is Citibank, N.A. FDIC-insured?
Yes. Citibank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #7213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citibank, N.A.?
Citibank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citibank, N.A.'s CET1 capital ratio?
Citibank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citibank, N.A. operate?
Citibank, N.A. operates 955 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citibank, N.A.'s Texas Ratio?
Citibank, N.A.'s Texas Ratio is 3.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citibank, N.A. previously called?
The charter now named Citibank, N.A. has also operated as First National City Bank (1962-1976), The First National City Bank of NewYork (1955-1962), per FDIC structure-change records.
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