Citizens Bank Annual Report

We maintain the complete database with all recent information about Citizens Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Citizens Bank data is relevant for May 2026.

4.1

Address

One Citizens Plaza Providence, RI 02903

FDIC Certificate ID

57957

Bank Charter Class

National Bank

Financial report Citizens Bank

Quarterly

Annually

Change dates

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005

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2023
2022
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2020
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2024
2023
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2021
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2024
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2019
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Hide dates

All values USD, Dollar figures in thousands

Updated December 31, 2025

Item

2025

2024

2023

2022

2021

Trends

Assets and Liabilities

Total assets

225,863,637

217,178,887

221,750,244

226,401,591

188,069,637

Cash & Balances due from depository institutions

13,703,219

11,295,210

12,157,440

10,939,330

9,475,846

Cash items in process of collection

1,657,042

1,573,633

1,836,587

1,498,283

1,118,478

Collection in domestic offices

618,621

672,460

988,541

675,428

562,398

Currency and coin in domestic offices

1,038,421

901,173

848,046

822,855

556,080

Balances due from depository institutions in U.S.

319,614

349,152

288,172

188,242

178,752

Balances due from foreign banks

643,355

312,048

255,547

274,343

234,070

Balances due from FRB

11,083,208

9,060,377

9,777,134

8,978,462

7,944,546

Total securities *

43,879,879

41,525,357

39,076,024

33,950,726

28,403,594

U.S. Government securities

40,432,806

38,124,052

35,041,681

29,391,732

25,955,255

U.S. Treasury securities

3,123,328

3,525,493

4,380,089

3,485,948

10,675

U.S. Government agency obligations

37,309,478

34,598,559

30,661,592

25,905,784

25,944,580

Securities issued by states & political subdivisions

1,021

1,012

1,390

1,618

2,263

Other domestic debt securities

3,195,580

3,238,248

3,918,557

4,447,729

2,351,554

Privately issued residential mortgage-backed securities

N/A

212,245

Asset backed securities

338,182

411,953

488,314

581,905

738,299

Structured financial products - Total

2,594,124

2,566,769

3,175,793

3,615,153

1,208,071

Other domestic debt securities - All other

N/A

Foreign debt securities

N/A

Equity securities not held for trading

N/A

94,522

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

N/A

Net loans and leases

142,165,126

138,146,389

144,895,738

155,791,282

129,872,740

Loan and leases loss allowance**

1,942,574

2,061,147

2,097,987

1,982,786

1,758,391

Total loans and leases

144,107,700

140,207,536

146,993,725

157,774,068

131,631,131

Unearned income

N/A

Loans and leases, gross

N/A

131,631,131

All real estate loans

82,569,497

80,035,120

79,103,040

76,711,757

53,965,290

Real estate loans in domestic offices

82,569,497

80,035,120

79,103,040

76,711,757

53,965,290

Construction and development loans

5,367,440

6,907,145

7,366,685

6,116,659

4,688,212

Residential 1-4 family construction

611,880

557,187

807,551

1,072,804

747,273

Other construction, all land development and other land

4,755,560

6,349,958

6,559,134

5,043,855

3,940,939

Secured by nonfarm nonresidential properties

14,357,090

15,772,873

17,531,556

18,833,589

11,502,173

Nonfarm nonresidential secured by owner-occupied properties

4,122,995

4,077,966

4,658,252

5,092,608

4,023,209

Commercial real estate other non-farm non-residential

10,234,095

11,694,907

12,873,304

13,740,981

7,478,964

Multifamily residential real estate

7,833,029

7,536,652

7,571,789

7,826,265

924,348

1-4 family residential loans

55,011,938

49,818,450

46,633,010

43,935,244

36,850,557

Farmland loans

N/A

Loans held in foreign offices

N/A

Farm loans

N/A

Commercial and industrial loans

26,609,508

25,848,716

39,256,084

46,945,883

41,227,932

Loans to individuals

14,068,775

19,643,289

24,180,835

29,205,897

31,590,168

Credit card loans

1,907,004

1,985,684

2,093,707

2,044,888

1,589,837

Related Plans

792,651

1,338,335

1,370,233

1,005,280

646,652

Consumer Loans - Auto

2,133,151

4,356,056

7,536,046

11,169,336

13,254,618

Other loans to individuals

9,235,969

11,963,214

13,180,849

14,986,393

16,099,061

All other loans & leases*

20,859,920

14,680,411

4,453,766

4,910,531

4,847,741

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

7,239

1,464

772

10,004

2,058

Other loans

N/A

3,135,053

Lease financing receivables

1,079,977

1,026,611

1,148,161

1,476,447

1,586,066

Loans to depository institutions and acceptances of other banks

163,105

132,887

66,158

111,456

124,564

Trading account assets

830,189

577,329

478,821

945,171

1,233,386

Bank premises and fixed assets

1,861,391

1,728,241

1,754,045

1,835,173

1,521,248

Other real estate owned

19,254

11,056

10,369

13,369

18,737

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

19,254

11,056

10,369

13,369

18,737

Other real estate owned: 1-4 family residential

18,942

10,744

10,057

13,057

11,575

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

312

7,162

Other real estate owned:Construction & development

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

9,588,941

9,652,417

9,723,081

9,720,635

8,071,633

Goodwill

8,022,332

8,007,513

6,998,072

Mortgage servicing assets

1,454,885

1,490,659

1,551,861

1,529,952

1,029,148

All other assets

N/A

9,472,453

Liabilities and Capital

Total liabilities and capital

225,863,637

217,178,887

221,750,244

226,401,591

188,069,637

Total Liabilities

199,025,524

192,789,907

198,461,625

202,727,709

165,327,770

Total deposits

186,283,426

178,001,267

180,831,726

182,994,749

157,071,480

Deposits held in domestic offices

186,283,426

178,001,267

180,781,726

182,871,182

156,829,177

Individuals, partnerships, and corporations

N/A

150,393,419

U.S. Government

N/A

5,997

States and political subdivisions in the U.S.

N/A

6,417,454

Commercial banks and other depository institutions in U.S.

N/A

12,307

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

50,000

123,567

242,303

Deposits held in domestic offices

186,283,426

178,001,267

180,781,726

182,871,182

156,829,177

Transaction accounts

89,644,563

81,879,112

80,680,438

92,359,063

22,805,651

Nontransaction accounts

96,638,863

96,122,155

100,101,289

90,512,119

134,023,526

Money market deposit accounts (MMDAs)

51,213,019

46,796,890

45,828,410

49,124,272

47,769,706

Other savings deposits (excluding MMDAs)

24,370,229

26,010,108

27,707,115

29,375,851

81,113,888

Total time deposits

21,055,615

23,315,158

26,565,763

12,011,995

5,139,931

Federal funds purchased and repurchase agreements

N/A

526

Trading liabilities

904,238

1,314,161

1,557,770

1,872,281

190,037

N/A - idobrmtg

N/A

3,898,957

Subordinated debt

1,125,000

All other liabilities

N/A

3,041,770

Total equity capital

26,838,113

24,388,980

23,288,619

23,673,882

22,741,867

Bank equity capital

26,838,113

24,388,980

23,288,619

23,673,882

22,741,867

Perpetual preferred stock

Common stock

Surplus

22,349,205

22,349,204

22,349,205

22,349,204

19,231,208

Undivided profits

4,488,832

2,039,700

939,338

1,324,602

3,510,583

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

2,018,388

2,175,847

1,971,235

1,519,281

1,309,441

Income earned, not collected on loans

958,882

935,842

1,000,373

932,548

500,047

Earning assets

197,958,973

189,220,842

194,025,186

199,063,310

166,432,316

Long-term assets (5+ years)

78,910,964

81,077,183

81,352,461

79,893,629

68,375,655

Average total assets

220,627,517.4

219,650,375.6

223,563,175

211,470,335.8

186,151,471

Average assets, quarterly

223,987,146.5

218,357,552.5

223,352,915.5

225,440,719

187,586,413

Total risk weighted assets adjusted

170,655,508

164,986,478

172,093,695

184,781,209

158,550,072

Adjusted average assets for leverage capital purposes

214,310,456

211,848,329

218,974,452

220,182,162

181,268,340

Life insurance assets

3,394,628

3,318,323

3,244,432

3,190,080

2,797,937

General account life insurance assets

1,703,227

1,654,421

1,664,385

1,621,387

1,202,169

Separate account life insurance assets

249,269

251,278

251,228

252,554

253,431

Hybrid life insurance assets

1,442,132

1,412,624

1,328,819

1,316,139

1,342,337

Volatile liabilities

7,168,858

7,758,250

6,852,074

3,038,855

3,632,510

Insider loans

6,248

5,856

5,273

4,156

2,244

FHLB advances

2,013,387

52,703

4,286,129

8,519,007

19,270

Loans and leases held for sale

1,028,400

666,392

717,094

873,963

3,391,844

Unused loan commitments

105,879,890

93,459,742

94,200,704

96,076,142

84,206,000

Tier one (core) capital

20,946,432

20,249,560

19,410,992

20,669,014

17,039,056

Tier 2 Risk-based capital

3,189,504

3,112,398

3,042,483

2,865,647

2,561,373

Total unused commitments

105,879,890

93,459,742

94,200,704

96,076,142

84,206,000

Derivatives

306,305,035

281,860,125

311,927,911

253,308,589

202,080,257