Citibank, National Association: how it compares with its peers
Against 2 U.S. banks with half to twice its assets, Citibank, National Association's strongest measure in Q2 2026 is efficiency ratio (51.39% vs. a 54.34% peer median). Its weakest relative measure is return on assets (1.06% vs. 1.25%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.25% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.02% | 2.83% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.39% | 54.34% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.7M | $15.4M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.78% | 59.70% | Context |
What it means for lending operations
Its efficiency ratio of 51.39% is better than the 54.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Wells Fargo Bank, National Association Sioux Falls, SD · $1907.93B
- Bank of America, National Association Charlotte, NC · $2654.64B
Questions about Citibank, National Association
How big is Citibank, National Association?
Citibank, National Association, established in 1812, is headquartered in Sioux Falls, SD. It reported $1976.18B in total assets in its Q2 2026 FDIC call report and operates 955 offices.
What is Citibank, National Association's return on assets?
1.06% annualized in Q2 2026, against a 1.25% median for 2 U.S. banks with half to twice its assets, ahead of 0% of them.
What is Citibank, National Association's efficiency ratio?
51.39% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 54.34%, and lower is better.
Is Citibank, National Association growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 9.5%.
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 South Dakota bank ranked.