Citizens Bank, National Association

Chartered Bank Active FDIC Insured
Health Score
9.2 / 10

1 Citizens Plz, Providence, RI 02903

Financial Overview

Total Assets $227.13B
Total Deposits $186.85B
Profitability (ROA) 0.94%
Shareholder Return (ROE) 7.98%
Capital Cushion (Eq/Assets) 11.73%
Established 05/13/2005

Financial Health Analysis

Citizens Bank, National Association is a currently active all other over 1 billion banking institution headquartered in Providence, Rhode Island. Established in 05/13/2005, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Citizens Bank, National Association manages $227.13B in total assets and holds $186.85B in customer deposits. When evaluating the stability of Citizens Bank, National Association, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 11.73%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.94%, while its Return on Equity (ROE) sits at 7.98%. These robust metrics contribute to an overall health score of 9.2 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$191.6M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.citizensbank.com

FDIC Certificate #: 57957

Specialization: All Other Over 1 Billion

Location

1 Citizens Plz

Providence, Rhode Island 02903

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