BlastPoint's Banking Scorecard

Citizens Bank, National Association

$10B-$250B Specialty: Other RI FDIC cert 57957

Providence, RI

977 branches across PA · MA · NY · NJ · OH · MI · RI · NH · CT · DE · VT · FL · CA · MD · VA · DC · KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in RI.
Deposits +5.6% year over year ($188.7B on the books).
Delinquency rate 1.38%.
Return on assets 0.99%.
Efficiency ratio 60.29% vs a 53.67% peer average.
Loan-to-deposit ratio 78.03% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in RI

View $10B-$250B leaderboard (RI) →

Citizens Bank, National Association faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.40% below tier average
- Net Interest Margin 0.66% below tier average
- Efficiency Ratio 6.62% above tier average
- Delinquency Rate 0.36% above tier average

Get updates when Citizens Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Total Assets ?	$232.5B +6.7% YoY +2.4% QoQ	+$188.9B	$43.6B -13.8% YoY	$49.2B +6.4% YoY	$6.3B +7.7% YoY	Top 0.7% in tier
Total Loans ?	$147.3B +5.6% YoY +2.6% QoQ	+$119.3B	$28.0B -8.6% YoY	$31.5B +5.4% YoY	$3.2B +9.4% YoY	Top 1.4% in tier
Total Deposits ?	$188.7B +5.6% YoY +1.0% QoQ	+$153.3B	$35.4B -14.0% YoY	$39.9B +5.6% YoY	$4.9B +7.3% YoY	Top 0.1% in tier
Return on Assets ?	0.99% +21.5% YoY +5.3% QoQ	-0.40%	1.39% +25.9% YoY	0.89% +5.4% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.26% +6.5% YoY +1.1% QoQ	-0.66%	3.92% +8.9% YoY	3.33% +0.4% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	60.29% -4.7% YoY -1.8% QoQ	+6.62%	53.67% -1.9% YoY	67.51% -2.4% YoY	70.05% +2.5% YoY	27%
Delinquency Rate ?	1.38% -4.7% YoY -8.5% QoQ	+0.36%	1.01% -2.8% YoY	1.21% +42.1% YoY	0.98% +16.3% YoY	17%
Loan-to-Deposit Ratio ?	78.03% -0.0% YoY +1.6% QoQ	-4.58%	82.61% +3.1% YoY	97.46% +0.7% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	23.24% -0.4% YoY -1.8% QoQ	+2.66%	20.58% +4.9% YoY	14.19% -0.4% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.88% -5.5% YoY -8.2% QoQ	+0.15%	0.73% +5.8% YoY	0.93% +44.3% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	11.92% -3.9% YoY -1.6% QoQ	-3.43%	15.35% -0.4% YoY	12.58% -0.8% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.46% -1.8% YoY +103.6% QoQ	-0.03%	0.50% +10.5% YoY	0.43% -12.1% YoY	0.66% +5.2% YoY	68%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Noninterest-Bearing	23.2% -0.1pp YoY -0.4pp QoQ	+2.2pp	21.0%	14.2%	22.2%	52%
Brokered Deposits	2.6% -0.4pp YoY -0.1pp QoQ	-6.6pp	9.2%	9.0%	8.5%	29%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
C&I	19.0% +0.5pp YoY -0.3pp QoQ	+1.9pp	17.2%	10.0%	12.5%	64%
CRE	18.3% -2.6pp YoY -0.5pp QoQ	-23.7pp	42.0%	42.3%	41.4%	11%
1-4 Family	39.1% +1.7pp YoY +0.3pp QoQ	+16.0pp	23.1%	39.9%	31.3%	92%
Consumer	8.5% -3.2pp YoY -0.7pp QoQ	-4.3pp	12.9%	6.5%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
CET1 Ratio	11.9% -0.5pp YoY -0.2pp QoQ	-3.3pp	15.3%	12.4%	19.7%	22%
Leverage Ratio	9.4% -0.4pp YoY -0.2pp QoQ	-1.0pp	10.4%	10.6%	12.6%	25%
Total Capital Ratio	13.7% -0.6pp YoY -0.2pp QoQ	-2.8pp	16.5%	13.6%	20.8%	37%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Full-Time Employees	17,326 +24 (+0.1%) YoY +310 (+1.8%) QoQ	+14,068	3,258	3,737	482	96%
Assets per Employee ($)	$13.4M +6.5% YoY +0.5% QoQ	-$13.6M	$27.0M	$9.9M	$8.8M	57%
Branch Count	977 -13 (-1.3%) YoY +1 (+0.1%) QoQ	+839	137	210	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp YoY 0.0pp QoQ	0.0pp	0.4%	0.2%	0.4%	84%
Nonaccrual	1.0% -0.1pp YoY -0.1pp QoQ	+0.2pp	0.7%	1.1%	1.0%	83%
Allowance Coverage	0.97x -2.5% YoY +7.1% QoQ	-1.84x	2.81x	1.06x	20.23x	18%
Net Charge-off Rate (YTD)	0.4% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.4%	0.3%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
ROE	8.5% +1.4pp YoY +0.5pp QoQ	-4.1pp	12.6%	8.1%	11.6%	22%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.3pp	2.0%	2.3%	1.7%	35%
Net Income ($, YTD)	$1.1B +27.1% YoY — QoQ	+$836.7M	$296.8M	$238.8M	$40.4M	94%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Total Deposits

size

Value: $188.73B

Peer Median: $35.42B

#1 of 139 Top 0.1% in $10B-$250B

Total Assets

size

Value: $232.52B

Peer Median: $43.60B

#2 of 139 Top 0.7% in $10B-$250B

Total Loans

size

Value: $147.27B

Peer Median: $27.97B

#3 of 139 Top 1.4% in $10B-$250B

Top Weaknesses (4 metrics)

116

Delinquency Rate

credit_quality

Value: 1.38%

Peer Median: 1.01%

#116 of 138 Bottom 16.7% in $10B-$250B

112

Tier 1 Capital Ratio

capital

Value: 11.92%

Peer Median: 15.35%

#112 of 139 Bottom 20.1% in $10B-$250B

112

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.73%

#112 of 139 Bottom 20.1% in $10B-$250B

107

Return on Assets

profitability

Value: 0.99%

Peer Median: 1.39%

#107 of 139 Bottom 23.7% in $10B-$250B