BlastPoint's Banking Scorecard
Citibank, National Association
Sioux Falls, SD
669 branches across CA · NY · IL · FL · DC · CT · MD · NJ · NV · VA · PR · SD · TX · DE
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 18 banks in the $250B+ peer group nationwide — 1 of 2 in SD.
- Deposits +9.5% year over year ($1,547.6B on the books).
- Delinquency rate 0.67%.
- Return on assets 1.06%.
- Efficiency ratio 51.39% vs a 52.80% peer average.
- Loan-to-deposit ratio 47.78% vs a 59.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citibank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 1.41% below tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1,976.2B
+7.8% YoY
+2.2% QoQ
|
+$1,039.9B |
$936.3B
-15.8% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
Top 11.1% in tier |
| Total Loans ? |
$739.5B
+8.7% YoY
+4.4% QoQ
|
+$330.0B |
$409.5B
-13.1% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$1,547.6B
+9.5% YoY
+3.1% QoQ
|
+$834.4B |
$713.2B
-15.8% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.06%
+25.7% YoY
-0.6% QoQ
|
-0.12% |
1.17%
+26.8% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.02%
-1.8% YoY
-0.6% QoQ
|
+0.08% |
2.94%
-1.8% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
51.39%
-6.1% YoY
+0.8% QoQ
|
-1.41% |
52.80%
-5.4% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
0.67%
-13.2% YoY
-12.0% QoQ
|
-0.11% |
0.78%
-21.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
47.78%
-0.8% YoY
+1.2% QoQ
|
-11.25% |
59.04%
+5.5% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
11.75%
-9.5% YoY
-4.4% QoQ
|
-4.55% |
16.30%
-11.5% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.25%
-12.4% YoY
-10.1% QoQ
|
-0.16% |
0.42%
-12.7% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.98%
+0.3% YoY
+0.1% QoQ
|
-1.22% |
15.20%
+5.2% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.58%
+9.3% YoY
+82.6% QoQ
|
-0.06% |
0.64%
-10.8% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
44% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.7%
-1.2pp YoY -0.5pp QoQ |
-4.6pp | 16.3% | 23.5% | 22.2% | 28% |
| Brokered Deposits |
3.6%
-1.4pp YoY -0.4pp QoQ |
-3.4pp | 7.0% | 8.7% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.4%
-1.7pp YoY -0.9pp QoQ |
+2.8pp | 19.6% | 14.1% | 12.5% | 50% |
| CRE |
3.5%
-0.2pp YoY 0.0pp QoQ |
-8.7pp | 12.2% | 31.5% | 41.4% | 0% |
| 1-4 Family |
16.8%
-0.9pp YoY -0.5pp QoQ |
-3.8pp | 20.6% | 14.9% | 31.3% | 29% |
| Consumer |
24.7%
-0.9pp YoY +0.2pp QoQ |
+7.8pp | 16.9% | 8.5% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
0.0pp YoY 0.0pp QoQ |
-1.4pp | 15.2% | 17.6% | 19.7% | 50% |
| Leverage Ratio |
7.9%
-1.1pp YoY -0.3pp QoQ |
-0.9pp | 8.8% | 11.9% | 12.6% | 33% |
| Total Capital Ratio |
14.7%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 16.3% | 18.8% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
169,535
-11072 (-6.1%) YoY -4473 (-2.6%) QoQ |
+105,976 | 63,559 | 6,279 | 482 | 83% |
| Assets per Employee ($) |
$11.7M
+14.8% YoY +4.9% QoQ |
-$49.4M | $61.1M | $8.1M | $8.8M | 39% |
| Branch Count |
667
+1 (+0.2%) YoY -4 (-0.6%) QoQ |
-741 | 1,407 | 92 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
0.0pp YoY -0.1pp QoQ |
0.0pp | 0.3% | 0.2% | 0.4% | 77% |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.6% | 1.0% | 1.0% | 22% |
| Allowance Coverage |
3.55x
+8.9% YoY +9.9% QoQ |
+1.40x | 2.14x | 96.54x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 0.5% | 0.7% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+3.2pp YoY +0.2pp QoQ |
-0.7pp | 12.4% | 12.4% | 11.6% | 33% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 2.2% | 1.7% | 1.7% | 72% |
| Net Income ($, YTD) |
$10.1B
+36.5% YoY — QoQ |
+$4.3B | $5.9B | $418.8M | $40.4M | 78% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.