Providence, RI · Cert 57957 · Citizens Financial Group Inc.
National charter · OCC · 971 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 10.1% share · #3 of 100 inst. · $58.4B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.85% | 0.87% | 0.94% | 0.99% | +18 bps | |
| Return on Equity | 7.07% | 7.27% | 7.45% | 7.98% | 8.50% | +144 bps | |
| Net Interest Margin | 2.66% | 2.69% | 2.71% | 2.85% | 2.85% | +18 bps | |
| Efficiency Ratio | 63.27% | 62.53% | 62.22% | 61.38% | 60.29% | -298 bps | |
| Non-Interest Burden | 1.35% | 1.35% | 1.35% | 1.41% | 1.36% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.76% | 1.17% | 4.00% | 3.24% | 6.67% | +743 bps | |
| Loan Growth (YoY) | -0.90% | -0.17% | 2.78% | 3.53% | 5.46% | +636 bps | |
| Deposit Growth (YoY) | -0.73% | 2.65% | 4.65% | 2.99% | 5.59% | +632 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.42% | 1.37% | 1.40% | 1.48% | 1.36% | -7 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.50% | 0.47% | 0.38% | 0.37% | -15 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.79% | 9.80% | 9.77% | 9.61% | 9.39% | -40 bps | |
| Total Risk-Based Capital | 14.31% | 14.31% | 14.14% | 13.98% | 13.75% | -56 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.17% | 77.46% | 77.36% | 77.88% | 79.08% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |