Citizens Bank, National Association
Providence, RI · Cert 57957 · Peer group: banks over $10B in assets (n=142-144) · Citizens Financial Group Inc.
National charter · OCC · 971 branches
Q2 2026
$232.5BAssets
$149.2BLoans
$188.7BDeposits
$26.5BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 49% of banks over $10B in assets (rank 73 of 144).
- Widest gap: nonperforming loans / loans trails 83% of banks over $10B in assets (rank 119 of 142).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.98%
Rank 113 of 144
Net Interest Margin
2.85%
Rank 105 of 144
Efficiency Ratio
60.61%
Rank 102 of 144
Equity / Assets
11.39%
Rank 73 of 144
Non-interest income vs. expense
Unfavorable gap of $3.1B · efficiency ratio beats 30% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 1.00% | 1.26% | 1.54% | Beats 22% | 113 / 144 | | |
| Return on Equity | 8.56% | 8.98% | 11.34% | 14.40% | Beats 21% | 114 / 144 | | |
| Net Interest Margin | 2.85% | 2.82% | 3.31% | 3.68% | Beats 27% | 105 / 144 | | |
| Efficiency Ratio | 60.61% | 49.42% | 56.02% | 62.41% | Beats 30% | 102 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.36% | 0.48% | 0.73% | 1.07% | Beats 17% | 119 / 142 | | |
| Net Charge-Offs / Loans | 0.23% | 0.05% | 0.11% | 0.22% | Beats 23% | 110 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 11.92% | 12.07% | 12.98% | 14.92% | Beats 19% | 116 / 144 | | |
| Total Risk-Based Capital Ratio | 13.75% | 13.39% | 14.14% | 16.25% | Beats 36% | 92 / 144 | | |
| Equity / Assets | 11.39% | 9.69% | 11.39% | 12.96% | Beats 49% | 73 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.08% | 75.72% | 84.92% | 91.56% | 31st pctl | 98 / 143 | | |
| Loans / Assets | 64.19% | 59.83% | 69.07% | 74.80% | 34th pctl | 95 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |