CITIZENS BANK, NATIONAL ASSOCIATION
PROVIDENCE, RI · 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
$227.1B
Total Deposits
$186.9B
Net Loans
$143.6B
Net Income
$533M
ROA
0.94%
Below avg for Large banks. Peer avg: 1.37%
ROE
7.98%
Risk-Based Capital
13.98%
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 | 99,275 | 55.59% | 31.26% |
| 2023 | 129,007 | 53.82% | 34.73% |
| 2022 | 173,844 | 59.56% | 28.14% |
| 2021 | 196,190 | 63.28% | 23.28% |
| 2020 | 164,414 | 64.14% | 21.19% |
| 2019 | 148,363 | 60.57% |
Last 12 Months
2,082
Since 2018
13,084
all complaints on record
Monetary Relief
15.8%
% 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 |
|---|---|---|
| Sep 2022 | Outstanding | Large Bank |
| Sep 2019 | Outstanding | Large Bank |
| Jan 2016 | Outstanding | Large Bank |
3 previous ratings locked — back to 2007
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Total Branches
984
Branch Deposits
$178.7B
1-Year Change
-31
5-year net change: -57 branches
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Preview:
| 29.08% |
| 2018 | 97,114 | 57.61% | 31.05% |
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 | 164 | 31 |
| September 2025 | 183 | 32 |
| October 2025 | 167 | 27 |
| November 2025 | 166 | 23 |
| December 2025 | 211 | 42 |
| January 2026 | 212 | 41 |
| February 2026 | 176 | 29 |
| March 2026 | 194 | 34 |
| April 2026 | 178 | 27 |
| May 2026 | 170 | 30 |
| June 2026 | 92 | 10 |
Data through Jun 2026.Last 12 months shown — unlock full history.
Full 2021–present history available — unlock this bank for $9 one-time.