Citizens Bank, National Association: how it compares with its peers
Against 19 U.S. banks with half to twice its assets, Citizens Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.26% vs. a 3.14% peer median). Its weakest relative measure is return on assets (0.99% vs. 1.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.14% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.26% | 3.14% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.29% | 57.49% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $13.1M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.03% | 73.25% | Context |
What it means for lending operations
Its efficiency ratio of 60.29% is above the 57.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First-Citizens Bank & Trust Company Raleigh, NC · $236.32B
- Manufacturers and Traders Trust Company Buffalo, NY · $218.79B
- Morgan Stanley Private Bank, National Association Purchase, NY · $250.43B
- Charles Schwab Bank, SSB Westlake, TX · $250.83B
- American Express National Bank Sandy, UT · $213.95B
- BMO Bank National Association Chicago, IL · $254.97B
Questions about Citizens Bank, National Association
How big is Citizens Bank, National Association?
Citizens Bank, National Association, established in 2005, is headquartered in Providence, RI. It reported $232.52B in total assets in its Q2 2026 FDIC call report and operates 981 offices.
What is Citizens Bank, National Association's return on assets?
0.99% annualized in Q2 2026, against a 1.14% median for 19 U.S. banks with half to twice its assets, ahead of 26% of them.
What is Citizens Bank, National Association's efficiency ratio?
60.29% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 57.49%, and lower is better.
Is Citizens Bank, National Association growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Rhode Island bank ranked.