CITIBANK, N.A.
SIOUX FALLS, SD · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$1.93T
Total Deposits
$1.50T
Net Loans
$708.4B
Net Income
$5.0B
ROA
1.06%
Below avg for Large banks. Peer avg: 1.37%
ROE
11.52%
Risk-Based Capital
14.68%
Below avg for Large banks. Regulatory min: 8%
Compared to the peer-bank Large peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 31,058 | 45.41% | 15.07% |
| 2023 | 23,463 | 61.86% | 5.76% |
| 2022 | 28,212 | 61.13% | 6.69% |
| 2021 | 54,521 | 54.43% | 11.84% |
| 2020 | 78,123 | 46.86% | 21.62% |
| 2019 | 69,473 | 49.73% |
Last 12 Months
22,083
Since 2018
96,719
all complaints on record
Monetary Relief
37%
% of complaints where company provided monetary relief
Untimely Response
0%
% exceeding CFPB's 15-day response window
Complaints by Product Type
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Outstanding | Large Bank |
| Feb 2021 | Outstanding | Large Bank |
| Feb 2018 | Satisfactory | Large Bank |
9 previous ratings locked — back to 1993
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Total Branches
666
Branch Deposits
$795.4B
1-Year Change
+9
5-year net change: -44 branches
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Preview:
| 25.93% |
| 2018 | 69,341 | 46.38% | 30.42% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Large bank avg: 31.66% · above-average shown in red
Monthly Complaints (2021–present)
| Month | Complaints | With Monetary Relief |
|---|---|---|
| August 2025 | 1577 | 713 |
| September 2025 | 1673 | 743 |
| October 2025 | 1755 | 871 |
| November 2025 | 1843 | 915 |
| December 2025 | 2104 | 990 |
| January 2026 | 2205 | 985 |
| February 2026 | 1892 | 886 |
| March 2026 | 2009 | 948 |
| April 2026 | 2196 | 935 |
| May 2026 | 2047 | 797 |
| June 2026 | 988 | 207 |
Data through Jun 2026.Last 12 months shown — unlock full history.
Full 2021–present history available — unlock this bank for $9 one-time.