This institution is no longer active

Operations ceased on September 1, 2007. CRA examination history below reflects the period it was active.

CITIZENS BANK OF RHODE ISLAND

PROVIDENCE, RI · Supervised by FDIC

Est. 1871FDIC #16,954RSSD: FDIC-16954

Part ofCitizens Financial Group→ View all charters

Outstanding Same

Current rating · Exam: February 2004

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.15%

Institution Profile

FDIC BankFind

Address

One Citizens Plaza, PROVIDENCE, RI

County

Providence County

Established

March 7, 1871

Total Assets

$14.5B(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

February 1, 2004

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2007Call Report / FDIC

Total Assets

$14.5B

Total Deposits

$9.7B

Net Loans

$9.2B

Net Income

$83M

ROA

1.15%

Above avg for Regional banks. Peer avg: 0.88%

ROE

15.33%

Risk-Based Capital

10.40%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

ROA1.15%Peer avg: 0.88%▲ Above avg

Risk-Based Capital10.40%Peer avg: 30.04%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2004	Outstanding	Large Bank
Mar 2000	Outstanding	Large Bank
May 1998	Outstanding	Large Bank

3 previous ratings locked — back to 1992

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/54eb55df-a131-416b-aa16-55c1a703cb48"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: