BlastPoint's Banking Scorecard
Citibank, National Association
Titans
Specialty: International
SD
FDIC cert 7213
Sioux Falls, SD
16
banks in Titans tier nationally
2 in SD
View Titans leaderboard (SD) →
Citibank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1,836.4B
+8.2% YoY
-0.4% QoQ
|
+$884.1B |
$952.4B
-3.6% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$700.8B
+8.3% YoY
+2.5% QoQ
|
+$282.3B |
$418.5B
-0.2% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1,465.3B
+10.6% YoY
+2.5% QoQ
|
+$725.5B |
$739.8B
-3.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.85%
+7.9% YoY
-3.2% QoQ
|
-0.26% |
1.11%
+7.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.08%
+2.6% YoY
+0.2% QoQ
|
+0.61% |
2.47%
+1.2% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
55.60%
-3.9% YoY
+2.7% QoQ
|
-0.26% |
55.86%
+1.9% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.79%
+3.1% YoY
-5.3% QoQ
|
-0.07% |
0.86%
-12.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
47.82%
-2.1% YoY
+0.1% QoQ
|
-7.86% |
55.68%
+5.4% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
12.66%
-9.7% YoY
+1.2% QoQ
|
-2.14% |
14.80%
-14.8% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.30%
+3.1% YoY
-2.6% QoQ
|
-0.14% |
0.44%
-9.5% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.52%
+3.5% YoY
+2.3% QoQ
|
-1.00% |
15.52%
+8.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.91%
-14.1% YoY
+19.4% QoQ
|
-0.34% |
1.25%
-5.5% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#2 of 5 · Bottom 25% in Titans
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.79%
(Tier: 0.86%, National: 0.66%)
5 of 5 Titans banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
88
88th pctile
Total Assets
Current: $1,836.4B · Tier avg: $952.4B
81
81th pctile
Total Loans
Current: $700.8B · Tier avg: $418.5B
81
81th pctile
Total Deposits
Current: $1,465.3B · Tier avg: $739.8B
75
75th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 2.47%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.44%
56
56th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.86%
44
44th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 15.52%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 12.66% · Tier avg: 14.80%
38
38th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 1.25%
31
31th pctile
Efficiency Ratio
Current: 55.60% · Tier avg: 55.86%
25
25th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.11%
25
25th pctile
Loan-to-Deposit Ratio
Current: 47.82% · Tier avg: 55.68%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 47.82% · Tier avg: 55.68%
25
25th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.11%
31
31th pctile
Efficiency Ratio
Current: 55.60% · Tier avg: 55.86%
38
38th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 1.25%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 12.66% · Tier avg: 14.80%
44
44th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 15.52%
56
56th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.86%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.44%
75
75th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 2.47%
81
81th pctile
Total Deposits
Current: $1,465.3B · Tier avg: $739.8B
81
81th pctile
Total Loans
Current: $700.8B · Tier avg: $418.5B
88
88th pctile
Total Assets
Current: $1,836.4B · Tier avg: $952.4B