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 $225 billion in assets. Customers can open an account at one of its 863 branches.

Deposit Rates - March 19, 2024

Loan Rates - March 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 $ 224.96 billion
Loans $ 148.78 billion
Deposits $ 181.55 billion
Capital $ 21.90 billion

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 15.86 billion
Interest-bearing balances $ 14.17 billion
Total securities $ 34.49 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 148.78 billion
Loan loss allowance $ 2.08 billion
Trading account assets $ 503.49 million
Bank premises and fixed assets N.A.
Other real estate owned $ 11.08 million
Goodwill and other intangibles $ 9.80 billion
All other assets $ 14.13 billion
     Total Assets $ 203.06 billion

LIABILITIES
Total deposits $ 181.55 billion
      Interest-bearing deposits $ 139.12 billion
      Deposits held in domestic offices $ 181.50 billion
      % insured (estimated) 60.26%
Federal funds purchased and repurchase agreements $ 214.99 million
Trading liabilities $ 2.11 billion
Other borrowed funds $ 14.77 billion
Subordinated debt $ 1,125.00 million
All other liabilities $ 3.80 billionn
      Total Liabilities $ 203.06 billion
      Shareholders’ Equity $ 21.90 billion

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 7.53 billion
Total Interest Expense $ 2.71 billion
Net interest income $ 4.82 billion
Provision for loan and lease losses $ 516.47 million
Total non interest income $ 1,338.29 million
Total non interest expense $ 3.72 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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