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Citizens Bank, National Association
Providence, RI·FDIC Cert #57957·Charter: OCC·Est. 20050513.0·HC: CITIZENS FINANCIAL GROUP INC
Total Assets
$225.9B
Q4 2025
Return on Assets
0.87%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.22%
Peer avg: 53.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.87%+0.02
ROE
7.45%+0.18
Efficiency
62.22%-0.31
Equity/Assets
0.00%+0.00
NPL Ratio
1.42%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
76.32%-0.07
Charge-offs
0.48%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.7 | 0.7 | 0.7 | 0.8 | 0.8 | 0.8 | 0.9 |
| ROE | 5.8 | 6.4 | 6.5 | 6.6 | 6.7 | 7.1 | 7.3 | 7.5 |
| Efficiency | 68.0 | 66.1 | 65.4 | 65.3 | 64.7 | 63.3 | 62.5 | 62.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.5 | 1.5 | 1.5 | 1.6 | 1.5 | 1.4 | 1.4 | 1.4 |
| Charge-offs | 0.5 | 0.5 | 0.5 | 0.5 | 0.6 | 0.5 | 0.5 | 0.5 |
| Loan/Deposit | 79.0 | 78.1 | 78.5 | 77.6 | 76.4 | 78.1 | 76.4 | 76.3 |
Balance Sheet
Total Assets$225.9B
Total Deposits$186.3B
Total Loans$142.2B
Total Equity$26.8B
Profitability
ROA0.87%
ROE7.45%
Efficiency Ratio62.22%
Net Income$1.9B
Risk & Asset Quality
NPL Ratio1.42%
Charge-off Rate0.48%
Loan/Deposit76.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans