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Citibank, National Association
Sioux Falls, SD·FDIC Cert #7213·Charter: OCC·Est. 18120616.0·HC: CITIGROUP INC
Total Assets
$1.8T
Q4 2025
Return on Assets
0.85%
-0.03%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.60%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.85%-0.03
ROE
8.67%-0.26
Efficiency
55.60%+1.48
Equity/Assets
0.00%+0.00
NPL Ratio
0.79%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
47.82%+0.02
Charge-offs
1.16%-0.04
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 | 0.8 | 0.8 | 0.8 | 0.8 | 0.9 | 0.8 | 0.9 | 0.8 |
| ROE | 8.2 | 8.4 | 8.5 | 8.0 | 8.7 | 8.5 | 8.9 | 8.7 |
| Efficiency | 59.1 | 57.4 | 56.6 | 57.9 | 54.4 | 54.7 | 54.1 | 55.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.7 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 |
| Charge-offs | 1.3 | 1.3 | 1.2 | 1.2 | 1.3 | 1.2 | 1.2 | 1.2 |
| Loan/Deposit | 46.6 | 48.9 | 47.4 | 48.9 | 48.1 | 48.1 | 47.8 | 47.8 |
Balance Sheet
Total Assets$1.8T
Total Deposits$1.5T
Total Loans$700.8B
Total Equity$176.5B
Profitability
ROA0.85%
ROE8.67%
Efficiency Ratio55.60%
Net Income$15.2B
Risk & Asset Quality
NPL Ratio0.79%
Charge-off Rate1.16%
Loan/Deposit47.82%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans