BlastPoint's Banking Scorecard
Citizens Bank, National Association
Large
Specialty: Other
RI
FDIC cert 57957
Providence, RI
69
banks in Large tier nationally
1 in RI
View Large leaderboard (RI) →
Citizens Bank, National Association shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.9B
+4.0% YoY
+1.7% QoQ
|
+$151.0B |
$74.9B
-4.4% YoY
|
$39.8B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$142.2B
+2.9% YoY
+1.3% QoQ
|
+$95.7B |
$46.4B
-2.1% YoY
|
$25.4B
+2.6% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$186.3B
+4.7% YoY
+1.4% QoQ
|
+$125.8B |
$60.5B
-4.5% YoY
|
$32.8B
+4.6% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.87%
+22.4% YoY
+2.9% QoQ
|
-0.32% |
1.19%
+17.8% YoY
|
-0.23%
-142.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.12%
+4.3% YoY
+0.9% QoQ
|
-0.34% |
3.46%
+13.1% YoY
|
3.51%
-0.9% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
62.22%
-4.7% YoY
-0.5% QoQ
|
+7.19% |
55.03%
-2.8% YoY
|
68.93%
-10.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.42%
-9.9% YoY
+2.1% QoQ
|
+0.54% |
0.88%
-0.3% YoY
|
1.19%
+36.1% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
76.32%
-1.7% YoY
-0.1% QoQ
|
-5.40% |
81.72%
+3.9% YoY
|
94.86%
-2.1% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
23.40%
+2.2% YoY
-0.6% QoQ
|
+3.43% |
19.97%
+0.5% YoY
|
13.51%
-4.5% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.90%
-10.4% YoY
+1.7% QoQ
|
+0.35% |
0.55%
+9.0% YoY
|
0.78%
+39.6% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
12.27%
+0.0% YoY
-1.1% QoQ
|
-1.05% |
13.33%
-0.7% YoY
|
8.47%
+2.0% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.92%
+6.7% YoY
+32.8% QoQ
|
-0.17% |
1.09%
+2.4% YoY
|
0.90%
-13.4% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $186.3B · Tier avg: $60.5B
99
99th pctile
Total Assets
Current: $225.9B · Tier avg: $74.9B
96
96th pctile
Total Loans
Current: $142.2B · Tier avg: $46.4B
71
71th pctile
Loan-to-Deposit Ratio
Current: 76.32% · Tier avg: 81.72%
63
63th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 1.09%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 23.40% · Tier avg: 19.97%
32
32th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 13.33%
29
29th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.46%
21
21th pctile
Efficiency Ratio
Current: 62.22% · Tier avg: 55.03%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.88%
17
17th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.55%
13
13th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.19%
Top Weaknesses
13
13th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.19%
17
17th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.55%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.88%
21
21th pctile
Efficiency Ratio
Current: 62.22% · Tier avg: 55.03%
29
29th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.46%
32
32th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 13.33%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 23.40% · Tier avg: 19.97%
63
63th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 1.09%
71
71th pctile
Loan-to-Deposit Ratio
Current: 76.32% · Tier avg: 81.72%
96
96th pctile
Total Loans
Current: $142.2B · Tier avg: $46.4B
99
99th pctile
Total Assets
Current: $225.9B · Tier avg: $74.9B
100
100th pctile
Total Deposits
Current: $186.3B · Tier avg: $60.5B