FDIC Cert #7213 · Sioux Falls, South Dakota · Est. 1812

Citibank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$1.84T
Total assets
A
Health grade · Excellent
0.85%
Return on assets
14.3%
Tier 1 capital

Data updated July 2026

The verdict

Citibank, National Association earns a PlainBankData health grade of A (81/100), with well-capitalized at 14.33% Tier 1, 0.85% ROA, efficient (56% cost ratio).

#3
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
14.33%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 7213 · SD A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1843/4307
  • PHOTO-FINISH Dime Community Bank · NY
  • TIER1-WELL 14.3% Tier 1
  • TEXAS-CLEAN 2.9% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: Dime Community Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citibank

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Forward · ND · near81/100Citibank, National A… · SD ·…81/100CS Bank · AR · near81/100Dime Community Bank · NY · n…81/100Glenwood State Bank… · MN · …81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citibank · July 2026

Plate reading for Citibank where failures stay rare

Citibank, National Association (FDIC Cert #7213) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,843 of 4,307. Tier 1 capital prints at 14.33%, clearing the 10% well-capitalized line. The Texas Ratio is 2.86%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $1.84T, 3rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Dime Community Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citibank

Only 1 FAILURE resolution in South Dakota since 2000

Citibank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

How Citibank, National Association's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
Citibank, National Association's composite health score
Tier 1 Capital Ratio (14.33%) 35/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (2.86%) 20/20
Efficiency Ratio (55.60%) 12/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.84T

Total balance-sheet footings

Total Deposits

$1.47T

Customer-funded liabilities

Net Loans

$700.8B

Outstanding loan book

Net Income

$15.2B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.93% 14.33% 15.73%
Basel III capital ratios - Citibank, National Association

Where Citibank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citibank, National Association's score of 81/100 falls in the highlighted band.

Citibank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citibank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citibank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citibank, National Association's $1.84T falls in the highlighted band.

Safety metrics: Citibank

Tier 1 capital ratio
Well-capitalized 10%

14.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.33%
Texas Ratio
2.86%
Equity Capital
$176.5B

What these ratios mean →

Profitability metrics: Citibank

Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
8.67%
Efficiency Ratio
55.60%

What these mean →

Income & expense at Citibank

$95.3B
Interest Income
$16.8B
Non-Interest Income
$37.1B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citibank, National Association reports a Texas Ratio of 2.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citibank, National Association on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Citibank, National Association by assets

Citibank, National Association is closely matched in total assets by Wells Fargo Bank, Bank of America, U.S. Bank, Capital One across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.17%, versus Citibank, National Association's own 0.85%; the average efficiency ratio is 52.14%, versus 55.60% here; and average Tier 1 capital sits at 13.22%, versus 14.33% at Citibank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $1.84T in assets, Citibank, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Citibank, National Association nationally by total assets
  1. 1
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  2. 2
    Bank of America $2.64T

    Charlotte, NC · Grade A

  3. 3
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  4. 4
    Capital One $658.5B

    Mclean, VA · Grade B

  5. 5
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  6. 6
    PNC Bank $568.3B

    Wilmington, DE · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Citibank, National Association (this bank) SD $1.84T 0.85% 55.60% 14.33%
Wells Fargo Bank, National Association SD $1.82T 1.41% 55.41% 12.81%
Bank of America, National Association NC $2.64T 1.15% 52.27% 12.47%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%
PNC Bank, National Association DE $568.3B 1.30% 57.53% 11.91%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.84T here), outside South Dakota so the neighborhood is not state containment.

Bank of America $2.64T · NC U.S. Bank $676.1B · OH Capital One $658.5B · VA Goldman Sachs Bank USA $645.0B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citibank, National Association (FDIC Cert #7213) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citibank, National Association Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
Wells Fargo Bank, National AssociationSioux Falls $1.82T A 1.41%
The Bancorp Bank, National AssociationSioux Falls $9.3B A 2.81%
Pathward, National AssociationSioux Falls $7.6B A 2.65%
Dacotah BankAberdeen $4.8B B 1.01%
First Bank & TrustBrookings $4.7B B 1.02%
First PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%
Sunrise Banks, National AssociationSioux Falls $2.7B C 0.39%