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Citibank, National Association
Sioux Falls, SD · FDIC Certificate #7213 · Chartered 06/1
Total assets
$1.98T
Total deposits
$1.55T
Total equity
$172.12B
Net loans
$739.50B
Branches (offices)
667
Net income (YTD)
$10.12B
Rank: #3 of 4,213 U.S. banks by assets · #1 of 56 in South Dakota. Assets changed 7.8% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 11.69% |
| Net interest margin (YTD) | 3.02% |
| Equity to assets | 8.71% |
| Tier 1 leverage ratio | 7.87% |
| Uninsured deposits (share of deposits) | 47.8% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 1.06% |
| Loans to deposits | 47.8% |
| Real estate loans (share of loans) | 24.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.60B | 24.6% | |
| Commercial & industrial | $165.62B | 22.4% | |
| Consumer / individual | $182.89B | 24.7% | |
| Construction & development | $7.99B | 1.1% | |
| Agricultural | $382.00M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.72T | $1.35T | $8.31B | $164.91B |
| Jun 2023 | $1.71T | $1.34T | $7.82B | $167.02B |
| Jun 2024 | $1.68T | $1.30T | $6.94B | $166.90B |
| Jun 2025 | $1.83T | $1.41T | $7.41B | $177.01B |
| Jun 2026 | $1.98T | $1.55T | $10.12B | $172.12B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $637.72B | - |
| New York | $108.34B | 214 |
| California | $67.93B | 271 |
| Texas | $31.01B | - |
| Florida | $22.35B | 56 |
| Illinois | $14.23B | 57 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $900.89B.
Similar-sized banks
Bank Of America, National Association ($2.65T) · Wells Fargo Bank, National Association ($1.91T)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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