Citizens Bank, National Association
1 Citizens Plz, Providence, RI 02903
Financial Overview
Financial Health Analysis
Citizens Bank, National Association is a currently active all other over 1 billion banking institution headquartered in Providence, Rhode Island. Established in 05/13/2005, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, Citizens Bank, National Association manages $227.13B in total assets and holds $186.85B in customer deposits. When evaluating the stability of Citizens Bank, National Association, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 11.73%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.94%, while its Return on Equity (ROE) sits at 7.98%. These robust metrics contribute to an overall health score of 9.2 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$191.6M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.citizensbank.com
FDIC Certificate #: 57957
Specialization: All Other Over 1 Billion