Total Assets
$225.9B
Total balance-sheet footings
FDIC Cert #57957 · Providence, Rhode Island · Est. 2005
Citizens Bank, 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.
- $225.9B
- Total assets
- B
- Health grade · Good
- 0.87%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank, National Association earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.27% Tier 1, 0.87% ROA, 62% efficiency ratio.
- #18
- largest of 4,313 FDIC banks by assets
- 100th
- percentile by asset size, nationally
- 12.27%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- 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 57957 · RI B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2687/4307
- PHOTO-FINISH Bank of Bozeman · MT
- TIER1-WELL 12.3% Tier 1
- TEXAS-CLEAN 7.0% Texas
- ROA-PAR 0.87% ROA
- SIZE-MEGA ≥$100B assets
- BOOK-FULL 9/9 fields
Nearest health peer outside Rhode Island: Bank of Bozeman, MT (±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 Citizens Bank
Lowest and highest poles plus nearest scored peers outside Rhode Island, not a full FDIC corpus board reprint.
Plate reading for Citizens Bank where failures stay rare
Citizens Bank, National Association (FDIC Cert #57957) carries a PlainBankData health grade of B at 73/100, 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 #2,687 of 4,307. Tier 1 capital prints at 12.27%, clearing the 10% well-capitalized line. The Texas Ratio is 7.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $225.9B, 18th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Bozeman (MT), 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 Citizens Bank
Zero FAILURE resolutions in Rhode Island since 2000
Citizens Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.
- OLD STONE SB PROVIDENCE, RI 1993 → CITIZENS SB
- EASTLAND SAVINGS BANK WOONSOCKET, RI 1992 → FLEET NATIONAL BANK
- EASTLAND BANK WOONSOCKET, RI 1992 → FLEET NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Rhode Island banks.
How Citizens Bank, National Association's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (12.27%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (7.01%) 16/20
Efficiency Ratio (62.22%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$186.3B
Customer-funded liabilities
Net Loans
$142.2B
Outstanding loan book
Net Income
$1.9B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank, National Association's score of 73/100 falls in the highlighted band.
Citizens Bank, National Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 38th percentile higher than 38% of 4,307 FDIC-insured banks
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
Citizens Bank, 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). Citizens Bank, National Association's $225.9B falls in the highlighted band.
Safety metrics: Citizens Bank
Tier 1 capital ratio
Well-capitalized 10%
12.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.27%
Texas Ratio
7.01%
Equity Capital
$26.8B
Profitability metrics: Citizens Bank
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
7.45%
Efficiency Ratio
62.22%
Income & expense at Citizens Bank
$9.7B
Interest Income
$2.1B
Non-Interest Income
$5.1B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank, National Association reports a Texas Ratio of 7.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Rhode Island by total assets
National size peers: banks closest to Citizens Bank, National Association by assets
Citizens Bank, National Association is closely matched in total assets by The Huntington National Bank, First-Citizens Bank & Trust Company, Fifth Third Bank, Manufacturers and Traders Trust Compa… across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.63%, versus Citizens Bank, National Association's own 0.87%; the average efficiency ratio is 57.87%, versus 62.22% here; and average Tier 1 capital sits at 12.53%, versus 12.27% at Citizens Bank, 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 $225.9B in assets, Citizens Bank, 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.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Citizens Bank, National Association (this bank) | RI | $225.9B | 0.87% | 62.22% | 12.27% |
| The Huntington National Bank | OH | $224.0B | 1.20% | 55.04% | 11.72% |
| First-Citizens Bank & Trust Company | NC | $229.3B | 1.00% | 62.36% | 12.55% |
| Fifth Third Bank, National Association | OH | $213.7B | 1.34% | 53.98% | 13.09% |
| Manufacturers and Traders Trust Company | NY | $212.9B | 1.40% | 53.40% | 12.13% |
| American Express National Bank | UT | $211.3B | 3.89% | 68.58% | 10.94% |
| BMO Bank National Association | IL | $252.1B | 0.95% | 53.85% | 14.74% |
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($225.9B here), outside Rhode Island so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank, National Association (FDIC Cert #57957) - 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.
Citizens Bank, National Association Call Report profile · FDIC Failed Bank List · Rhode Island FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Rhode Island
All Rhode Island banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| The Washington Trust Company, of WesterlyWesterly | $6.6B | B | 0.80% |
| Centreville BankWest Warwick | $3.0B | B | 1.01% |
| BankNewportMiddletown | $3.0B | B | 0.58% |
| Shoreham BankWarwick | $481M | B | 0.83% |
| Independence BankEast Greenwich | $14M | C | -5.49% |