Citizens Bank, National Association
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 8.9.
Other Rating Factors:
A current level of 8.4 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Fair asset quality (4.3). Weak liquidity 3.0, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 6.7 percent.
Asset Mix:
Comm loans (18%), securities (17%), home mtgs (14%), consumer loans (11%), comm re (8%), home eq lns (7%), cash (5%), other (20%)
States with Branches:
CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Citizens Financial Group, Inc.
Investment Rating
Address
One Citizens Plaza
Providence, RI 02903
Providence, RI 02903
Phone Number
(401) 900-6715
Year Founded
FDIC Number
Largest Affiliates
No affiliate information available.
