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 $220 billion in assets. Customers can open an account at one of its 863 branches.

Deposit Rates - December 21, 2024

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

Loan Rates - December 21, 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

See Other Mortgage Rates →

Overview 2024

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 57957
Date Established	2005
Assets	$ 219.63 billion
Loans	$ 140.68 billion
Deposits	$ 180.12 billion
Capital	$ 23.17 billion

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 12.41 billion
Interest-bearing balances	$ 10.70 billion
Total securities	$ 40.97 billion
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 140.68 billion
Loan loss allowance	$ 2.13 billion
Trading account assets	$ 402.63 million
Bank premises and fixed assets	N.A.
Other real estate owned	$ 11.02 million
Goodwill and other intangibles	$ 9.72 billion
All other assets	$ 14.13 billion
Total Assets	$ 196.46 billion

LIABILITIES
Total deposits	$ 180.12 billion
Interest-bearing deposits	$ 138.89 billion
Deposits held in domestic offices	$ 180.07 billion
% insured (estimated)	61.89%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 1,495.75 million
Other borrowed funds	$ 14.77 billion
Subordinated debt	$ 1,125.00 million
All other liabilities	$ 3.80 billionn
Total Liabilities	$ 196.46 billion
Shareholders’ Equity	$ 23.17 billion

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 5.18 billion
Total Interest Expense	$ 2.28 billion
Net interest income	$ 2.90 billion
Provision for loan and lease losses	$ 353.00 million
Total non interest income	$ 904.84 million
Total non interest expense	$ 2.53 billion
Pre-tax Net Operating Income	$ 1,077.19 million

*Should any logos, images or public notes appear on this page,they do so courtesy of Citizens and are not subject to approval of RatesAndInfo.com. RatesAndInfo.com expressly disclaims all responsibility for this content.

Customer Reviews for Citizens (2)

Rated 5.00 stars out of 5 - based on 2 reviews

Abzo68

May 17, 2022 |

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.
Bedtime01

May 17, 2022 |

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

Branches

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