Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

CITIZENS BANK NATIONAL ASSN

FDIC #57957 · RI · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets109,313,488-7.55% YoY

Total deposits77,780,394-8.62% YoY

Net loans and leases80,815,541-7.68% YoY

Return on assets0.73%-19.44% YoY

Return on equity4.93%-24.62% YoY

Net interest margin3.01%-2.44% YoY

Peer position

Return on assets20thopportunity · n=35

Return on equity15thopportunity · n=33

Net interest margin37thin line · n=35

Equity to assets67thin line · n=33

Noncurrent loans21stopportunity · n=33

Liquid assets55thin line · n=33

Brokered deposits79thstrength · n=33

Loans to deposits70thin line · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	109,313,488	77,780,394	80,815,541	0.73	4.93	3.01
2016-06-30	112,992,135	79,362,286	83,195,045	0.72	4.89	2.99
2016-09-30	114,604,518	81,495,743	84,746,678	0.76	5.18	2.99
2016-12-31	116,939,799	83,233,423	86,828,927	0.78	5.38	3.02
2017-03-31	118,240,305	85,116,314	87,539,811	0.91	6.54	3.09
2017-06-30	120,137,787	88,494,243	88,732,706	0.90	6.48	3.10
2017-09-30	120,724,694	88,385,575	91,065,842	0.92	6.62	3.12
2017-12-31	121,995,997	89,631,345	91,331,034	1.16	8.32	3.15
2018-03-31	122,428,671	89,838,581	92,579,520	1.02	7.46	3.24
2018-06-30	123,921,051	90,564,903	94,380,435	1.08	7.89	3.28
2018-09-30	126,890,625	90,987,679	96,490,129	1.10	8.15	3.29
2018-12-31	129,426,633	93,888,356	98,699,167	1.11	8.26	3.30
2019-03-31	161,403,353	125,449,093	117,459,944	1.09	8.50	3.24
2019-06-30	163,025,478	125,759,512	117,694,186	1.11	8.63	3.24
2019-09-30	164,652,403	126,736,686	118,481,602	1.11	8.58	3.22
2019-12-31	165,742,416	127,173,106	121,020,392	1.11	8.49	3.20
2020-03-31	176,632,580	135,416,597	128,672,895	0.08	0.65	3.08
2020-06-30	179,841,224	146,495,580	128,807,062	0.32	2.57	3.04
2020-09-30	179,163,146	145,796,468	126,073,214	0.47	3.72	3.00
2020-12-31	183,365,970	150,267,404	125,638,241	0.60	4.85	2.96
2021-03-31	187,182,386	154,407,529	125,419,137	1.31	10.99	2.76
2021-06-30	185,036,173	153,773,434	124,300,171	1.36	11.31	2.78
2021-09-30	187,103,189	155,361,591	124,754,766	1.29	10.69	2.80
2021-12-31	188,069,637	157,071,480	129,872,740	1.24	10.29	2.79
2022-03-31	191,869,069	161,300,226	131,339,588	0.95	8.12	2.79
2022-06-30	226,531,535	181,708,144	157,689,744	0.83	7.33	3.04
2022-09-30	224,479,847	180,873,036	156,201,748	0.96	8.72	3.21
2022-12-31	226,401,591	182,994,749	155,791,282	1.03	9.42	3.29
2023-03-31	221,955,033	174,818,571	154,684,819	0.96	9.04	3.38
2023-06-30	222,753,420	180,764,166	150,902,472	0.93	8.82	3.33
2023-09-30	224,955,587	181,549,092	148,784,821	0.90	8.70	3.27
2023-12-31	221,750,244	180,831,726	144,895,738	0.77	7.40	3.22
2024-03-31	220,152,480	179,596,613	141,905,935	0.61	5.84	3.02
2024-06-30	219,634,049	180,116,467	140,683,759	0.67	6.39	3.00
2024-09-30	219,536,218	179,037,867	140,484,539	0.69	6.50	2.97
2024-12-31	217,178,887	178,001,267	138,146,389	0.71	6.60	2.99
2025-03-31	220,014,392	181,419,006	138,541,405	0.76	6.68	3.00
2025-06-30	217,970,015	178,748,164	139,513,442	0.82	7.07	3.06
2025-09-30	222,110,656	183,738,600	140,353,379	0.85	7.27	3.10
2025-12-31	225,863,637	186,283,426	142,165,126	0.87	7.45	3.12
2026-03-31	227,134,099	186,851,400	143,563,245	0.94	7.98	3.22
2026-06-30	232,517,438	188,731,766	147,274,768	0.99	8.50	3.26

Structure and branch footprint

979 current branch locations across 17 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2022-04-07	1	35570	3303298
2019-01-02	1	3041974	3303298
2012-07-06	1	2870458	3303298
2012-07-06	1	3310027	3303298
2009-01-01	1	2647016	3303298
2008-09-02	1	1905531	3303298
2008-09-02	1	3079593	3303298
2007-09-01	1	2763318	3303298
2007-09-01	1	897273	3303298
2007-09-01	1	586205	3303298
2007-09-01	1	3041983	3303298
2007-09-01	1	3295928	3303298
2007-09-01	1	1000409	3303298
2007-09-01	1	62101	3303298
2007-09-01	1	14409	3303298

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.