Citizens Bank, National Association
Total assets
$232.52B
▲ +6.7% YoY
Deposits
$188.73B
▲ +5.6% YoY
Loans
$147.27B
▲ +5.6% YoY
Offices
982
CITIZENS FINANCIAL GROUP INC
ROA (annualized)
0.99%
peers 1.23%
ROE (annualized)
8.50%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.9% | +0.8 pts |
| Deposit growth (YoY) | +5.6% | +5.7% | -0.1 pts |
| Loan growth (YoY) | +5.6% | +6.9% | -1.4 pts |
| ROA | 0.99% | 1.23% | -0.2 pts |
| ROE | 8.5% | 11.2% | -2.7 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
Profile
- Established
- 2005
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- CITIZENS FINANCIAL GROUP INC
- Specialization
- All Other Over 1 Billion
- Address
- 1 Citizens Plz, Providence, RI, 02903
- County
- Providence
- Metro area
- Providence-Warwick, RI-MA
- Offices
- 982
- FDIC cert #
- 57957
- RSSD ID
- 3303298
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.52B | $188.73B | $147.27B | $26.48B | $1.13B | 0.99% | 3.26% | 0.88% |
| Q1 2026 | $227.13B | $186.85B | $143.56B | $26.65B | $533.4M | 0.94% | 3.22% | 0.96% |
| Q4 2025 | $225.86B | $186.28B | $142.17B | $26.84B | $1.92B | 0.87% | 3.12% | 0.90% |
| Q3 2025 | $222.11B | $183.74B | $140.35B | $26.41B | $1.39B | 0.85% | 3.10% | 0.89% |
| Q2 2025 | $217.97B | $178.75B | $139.51B | $25.94B | $891.9M | 0.82% | 3.06% | 0.93% |
| Q1 2025 | $220.01B | $181.42B | $138.54B | $25.41B | $415.7M | 0.76% | 3.00% | 0.95% |
| Q4 2024 | $217.18B | $178.00B | $138.15B | $24.39B | $1.56B | 0.71% | 2.99% | 1.01% |
| Q3 2024 | $219.54B | $179.04B | $140.48B | $24.69B | $1.15B | 0.69% | 2.97% | 1.00% |
Loan mix (Q2 2026): real estate $84.56B · commercial $28.04B · consumer $12.58B · securities $45.40B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.23% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.3% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.55% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 54.9% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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