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Citizens Bank, National Association
Providence, RI · FDIC Certificate #57957 · Chartered 05/1
Total assets
$232.52B
Total deposits
$188.73B
Total equity
$26.48B
Net loans
$147.27B
Branches (offices)
971
Net income (YTD)
$1.13B
Rank: #20 of 4,213 U.S. banks by assets · #1 of 5 in Rhode Island. Assets changed 6.7% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 8.50% |
| Net interest margin (YTD) | 3.26% |
| Equity to assets | 11.39% |
| Tier 1 leverage ratio | 9.39% |
| Uninsured deposits (share of deposits) | 47.5% |
| Noncurrent loans (share of loans) | 1.36% |
| Net charge-offs (share of loans) | 0.37% |
| Loans to deposits | 78.0% |
| Real estate loans (share of loans) | 57.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $84.56B | 57.4% | |
| Commercial & industrial | $28.04B | 19.0% | |
| Consumer / individual | $12.58B | 8.5% | |
| Construction & development | $4.75B | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $226.53B | $181.71B | $836.70M | $24.14B |
| Jun 2023 | $222.75B | $180.76B | $1.04B | $22.86B |
| Jun 2024 | $219.63B | $180.12B | $739.16M | $23.17B |
| Jun 2025 | $217.97B | $178.75B | $891.93M | $25.94B |
| Jun 2026 | $232.52B | $188.73B | $1.13B | $26.48B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $59.30B | 179 |
| Pennsylvania | $34.92B | 213 |
| New York | $26.73B | 170 |
| Rhode Island | $16.16B | - |
| Ohio | $10.31B | 69 |
| New Hampshire | $8.91B | - |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $188.73B.
Similar-sized banks
First-Citizens Bank & Trust Company ($236.32B) · Manufacturers And Traders Trust Company ($218.79B)
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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