Citizens Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank, N.A. is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $232.5B in total assets and $188.7B in deposits. Earnings are mid-range, 1.04% ROA and a 3.23% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 11.92% sits well above the 7% level required once the capital conservation buffer is included. Asset quality merits closer attention with NPLs at 1.75%. Citizens Bank runs a 982-branch network across multiple states.
As of June 30, 2026, Citizens Bank, N.A. reported a CET1 capital ratio of 11.92%, a return on assets of 1.04%, a nonperforming-loan ratio of 1.75%, a Texas ratio of 15.85%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1 Citizens Plz, Providence, RI 02903
- County
- Providence
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- May 13, 2005
- Former names
- RBS Citizens, National Association (2007-2014)
- Offices
- 982 domestic
- Employees (FTE)
- 17,326
- Domestic deposits
- $188.73B
- Allowance for credit losses
- $1.97B
- Net charge-offs (YTD)
- $273.8M
- Average total assets
- $229.96B
- Average total loans
- $146.86B
- Average interest-bearing deposits
- $142.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 13, 2005
- FDIC Cert
- 57957
- Fed RSSD
- 3303298
- SEC CIK
- 759944 → filed by CITIZENS FINANCIAL GROUP, INC.
- Website
- www.citizensbank.com →
- Parent Holding Company
- CITIZENS FINANCIAL GROUP, INC. (RSSD 1132449) · CFG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Van Saun Bruce | CEO | Chairman and CEO |
| Banerjee Aunoy | CFO | Chief Financial Officer |
| Coughlin Brendan | PRES | President |
| Stein Richard L. | CRO | Chief Risk Officer |
| Moosally Michelle | GC | Chief Legal Officer |
| Ruttledge Michael | CIO | Chief Information Officer |
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 Citizens Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Bank, N.A., freeCitizens Bank, N.A. rankings
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.
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 | 11.92% | 1.04% | 1.75% | 15.85% | 3.23% |
| Q1 2026 | 12.12% | 0.95% | 1.90% | 16.66% | 3.18% |
| Q4 2025 | 12.27% | 0.96% | 1.97% | 16.33% | 3.18% |
| Q3 2025 | 12.41% | 0.91% | 1.89% | 15.48% | 3.12% |
| Q2 2025 | 12.41% | 0.87% | 1.71% | 14.56% | 3.04% |
| Q1 2025 | 12.33% | 0.76% | 1.74% | 15.01% | 2.95% |
| Q4 2024 | 12.27% | 0.76% | 1.88% | 17.07% | 2.97% |
| Q3 2024 | 11.86% | 0.74% | 1.87% | 16.73% | 2.86% |
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 971 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Massachusetts Branch | Boston , MA | 02109 | $30.82B |
| 1835 Market Street Branch | Philadelphia , PA | 19103 | $5.30B |
| 101 California Street Branch | San Francisco , CA | 94111 | $4.98B |
| 1301 Avenue of the Americas Branch | New York , NY | 10019 | $4.54B |
| Citizens Bank, N.A. (main office) | Providence , RI | 02903 | $4.52B |
| East 9th Street Branch | Cleveland , OH | 44115 | $3.84B |
| Mill Valley Branch | Mill Valley , CA | 94941 | $3.13B |
| Downtown Branch | Providence , RI | 02903 | $2.53B |
| Citizens Bank New Hampshire Branch | Manchester , NH | 03101 | $2.26B |
| 772 Boylston Branch | Boston , MA | 02199 | $1.93B |
| Red Oaks Mill Branch | Poughkeepsie , NY | 12603 | $1.81B |
| Union Square Branch | New York , NY | 10003 | $1.71B |
| High Street Branch | Boston , MA | 02110 | $1.54B |
| Grant Street Branch | Pittsburgh , PA | 15219 | $1.42B |
| 1417 Walnut Street Branch | Philadelphia , PA | 19102 | $1.13B |
| Palm Beach Branch | Palm Beach , FL | 33480 | $971.0M |
| Westminster Street Branch | Providence , RI | 02903 | $770.5M |
| City Center | White Plains , NY | 10601 | $631.6M |
| Quincy Center Branch | Quincy , MA | 02169 | $544.0M |
| Medford Square Branch | Medford , MA | 02155 | $543.7M |
| Peters Township Branch | Mcmurray , PA | 15317 | $535.4M |
| Acton Branch | Acton , MA | 01720 | $519.3M |
| West Goshen Branch | West Chester , PA | 19380 | $518.6M |
| Summer Street Branch | Boston , MA | 02110 | $505.9M |
| Union Deposit Mall Branch | Harrisburg , PA | 17111 | $484.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 7, 2022 | M&A | merger | SEC |
| April 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 2022 | Structure Change | Acquired Investors Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2019 | M&A | merger | SEC |
| January 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2019 | Structure Change | Acquired Citizens Bank of Pennsylvania Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 6, 2012 | M&A | merger | SEC |
| July 6, 2012 | Structure Change | Acquired Citizens Automobile Finance, Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2009 | M&A | merger | SEC |
| January 1, 2009 | Structure Change | Acquired Sunkiss Realty Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 2, 2008 | M&A | merger | SEC |
| September 2, 2008 | Structure Change | Acquired Central Park-NH Realty Corp Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2007 | M&A | merger | SEC |
| September 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2007 | Structure Change | Acquired Citizens Bank of Massachusetts Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Citizens Bank, 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
- 9 against the institution (OCC); 13 against individuals associated with it
- November 10, 2015, OCC: C&D or PC&D Requiring Restitution: Citizens Bank, National Association
- November 10, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Citizens Bank, National Association
- November 10, 2015, OCC: Civil Money Penalty (CMP): Citizens Bank, National Association
- August 10, 2015, OCC: C&D or PC&D Requiring Restitution: Rbs Citizens, National Association
- August 10, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Rbs Citizens, National Association
- Period: Most recent institution action November 10, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 35.7% of deposits in RI, rank 1 of 17 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 143,352 applications, 68,902 loans originated, $20.98B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- 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 Citizens Bank, N.A.
What are Citizens Bank, N.A.'s total assets?
As of the Q2 2026 filing, Citizens Bank, N.A. reported total assets of $232.52 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank, N.A. headquartered?
Citizens Bank, N.A. is headquartered in Providence, RI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank, N.A. founded?
Citizens Bank, N.A. was established in 2005, per the FDIC institution directory.
Is Citizens Bank, N.A. FDIC-insured?
Yes. Citizens Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #57957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank, N.A.?
Citizens Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank, N.A.'s CET1 capital ratio?
Citizens Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.92% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank, N.A. operate?
Citizens Bank, N.A. operates 982 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank, N.A.'s Texas Ratio?
Citizens Bank, N.A.'s Texas Ratio is 15.85% 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 Citizens Bank, N.A. previously called?
The charter now named Citizens Bank, N.A. has also operated as RBS Citizens, National Association (2007-2014), per FDIC structure-change records.
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