🏦Bank Scorer

CITIZENS BANK, NATIONAL ASSOCIATION

PROVIDENCE, RI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2005FDIC #57,957
Outstanding Same

Current rating · Exam: September 2022

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

1 Citizens Plz, PROVIDENCE, RI

County

Providence County

Established

May 13, 2005

Total Assets

$227.1B(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

September 26, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$227.1B

Total Deposits

$186.9B

Net Loans

$143.6B

Net Income

$533M

ROA

0.94%

Below avg for Large banks. Peer avg: 1.37%

ROE

7.98%

Risk-Based Capital

13.98%

Below avg for Large banks. Regulatory min: 8%

Peer Comparison

Large banks

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

ROA0.94%Peer avg: 1.37%▼ Below avg
Risk-Based Capital13.98%Peer avg: 15.74%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

984

Branch Deposits

$178.7B

1-Year Change

-31

5-year net change: -57 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202499,27555.59%31.26%
2023126,68253.3%35.20%
2022171,14759.23%28.45%
2021192,44862.89%23.59%
2020164,41464.14%21.19%
2019148,36360.57%29.08%
201897,11457.61%31.05%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Sep 2022OutstandingLarge Bank
Sep 2019OutstandingLarge Bank
Jan 2016OutstandingLarge Bank

3 previous ratings locked — back to 2007

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/2169b352-e2b6-417d-aa68-621cfdc68610"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: