🏦Bank Scorer

CITIBANK, N.A.

SIOUX FALLS, SD · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1812FDIC #7,213
Part ofCitigroup Inc.→ View all charters
Outstanding Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

825

0.43 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

5800 S Corporate Pl, SIOUX FALLS, SD

County

Lincoln County

Established

June 16, 1812

Total Assets

$1.93T(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 6, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.93T

Total Deposits

$1.50T

Net Loans

$708.4B

Net Income

$5.0B

ROA

1.06%

ROE

11.52%

Risk-Based Capital

14.68%

Regulatory minimum: 8%

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B0.43Peer avg: 0.83▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

666

Branch Deposits

$795.4B

1-Year Change

+9

5-year net change: -44 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202431,05845.41%15.07%
202323,46361.86%5.76%
202228,21261.13%6.69%
202154,52154.43%11.84%
202078,12346.86%21.62%
201969,47349.73%25.93%
201869,34146.38%30.42%

2024 national avg denial rate: 23.75% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

825

All Time

2,800

Monetary Relief

27.8%

Untimely Response

0.1%

Most common complaint type: Credit card or prepaid card· 0.43 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202400
October 20241511
November 202400
December 202400
January 202500
February 202500
March 202500
April 202533
May 202500
June 202500
July 202500
August 202500
September 2025259
October 20258053
November 20255431
December 20257432
January 202694
February 202653
March 20269041
April 2026225101
May 202621866
June 20264511

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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