Citizens

For information concerning Citizens online bank, please click here.

Citizens ACH Number: 241070417

Citizens is an FDIC insured institution headquartered at 1 Citizens Plz, Providence, RI 02903.
It was founded in 2005 and has approximately $222 billion in assets. Customers can open an account at one of its 863 branches.

Deposit Rates - June 19, 2024

CD RATES APY MIN
8 Mo CD
5.00% $25,000 Compare
14 Mo CD
2.75% $1,000 Compare

Loan Rates - June 19, 2024

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.11% $2,700.34
30 Year Fixed Conforming
6.82% $2,075.51
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.11% $2,700.34
30 Year Fixed Conforming
6.82% $2,075.51

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57957
Date Established 2005
Assets $ 221.75 billion
Loans $ 144.90 billion
Deposits $ 180.83 billion
Capital $ 23.29 billion

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 12.16 billion
Interest-bearing balances $ 9.99 billion
Total securities $ 39.08 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 144.90 billion
Loan loss allowance $ 2.10 billion
Trading account assets $ 478.82 million
Bank premises and fixed assets N.A.
Other real estate owned $ 10.37 million
Goodwill and other intangibles $ 9.72 billion
All other assets $ 14.13 billion
     Total Assets $ 198.46 billion

LIABILITIES
Total deposits $ 180.83 billion
      Interest-bearing deposits $ 139.73 billion
      Deposits held in domestic offices $ 180.78 billion
      % insured (estimated) 61.83%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 1,557.77 million
Other borrowed funds $ 14.77 billion
Subordinated debt $ 1,125.00 million
All other liabilities $ 3.80 billionn
      Total Liabilities $ 198.46 billion
      Shareholders’ Equity $ 23.29 billion

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 10.20 billion
Total Interest Expense $ 3.88 billion
Net interest income $ 6.33 billion
Provision for loan and lease losses $ 687.17 million
Total non interest income $ 1,779.35 million
Total non interest expense $ 5.29 billion
Pre-tax Net Operating Income $ 1,077.19 million


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Customer Reviews for Citizens (2)

Rated 5.00 stars out of 5 - based on 2 reviews
  • I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too. I've been a customer for many years and I will be a customer long after I am done with most of these other banks.

  • Once again, Citizens is most competitive of the quality names (Citizens, Ally, Synchrony, CIT). Best service too.


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Branches

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Citizens Locations