▣ Examiner
← All bank profiles
Examined: Sat, 25 Apr 2026 19:43:15 GMT

Citizens Bank, National Association

RSSD 3303298 · RI · Total assets $225,864M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
1 finding
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Asset Quality Procedure A-01

Nonperforming loan ratio exceeds examination threshold

Citation
OCC Comptroller's Handbook, Rating Credit Risk (April 2001) - https://occ.treas.gov/publications-and-resources/publications/comptrollers-handbook/files/rating-credit-risk/index-rating-credit-risk.html; FFIEC UBPR User's Guide, Section III, Analysis of Past-Due, Nonaccrual & Restructured Loans and Leases - https://www.ffiec.gov/data/ubpr/report-user-guide
Evidence
Nonperforming loans consist of nonaccrual loans $2,176M plus loans 90 days or more past due and still accruing $481M, measured against total loans and leases $140,208M.
Recommended action
Provide board and management analysis of the nonperforming loan drivers, updated risk-rating support, workout and collection status for material credits, charge-off review support, and portfolio-level action plans for segments contributing to elevated nonperformance.

Key ratios computed

Tier 1 ratio
12.27%
↑ rank 20 of 33 · regional
Tier 1 leverage
9.56%
↑ rank 14 of 34 · regional
Total capital
14.16%
↑ rank 16 of 34 · regional
NPL ratio
1.55%
ACL coverage
94.73%
CRE concentration
64.21%
Construction conc.
29.57%
ROA (annualized)
0.71%
↑ rank 28 of 34 · regional
NIM
2.99%
↑ rank 25 of 34 · regional
Efficiency ratio
65.28%
↓ rank 28 of 34 · regional
Loans / Deposits
78.77%
Brokered / Deposits
3.64%
Uninsured / Deposits
37.00%
Liquid asset ratio
4.31%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$217,179M
23Q03$221,955M 23Q06$222,753M 23Q09$224,956M 23Q12$221,750M 24Q03$220,152M 24Q06$219,634M 24Q09$219,536M 24Q12$217,179M
Tier 1 leverage
9.56%
23Q039.31% 23Q069.12% 23Q099.06% 23Q128.86% 24Q039.01% 24Q069.16% 24Q099.36% 24Q129.56%
Tier 1 RBC ratio
12.27%
23Q0311.07% 23Q0611.07% 23Q0911.08% 23Q1211.28% 24Q0311.44% 24Q0611.68% 24Q0911.86% 24Q1212.27%
ROA (YTD ann.)
0.71%
23Q030.96% 23Q060.93% 23Q090.90% 23Q120.77% 24Q030.61% 24Q060.67% 24Q090.69% 24Q120.71%
NIM (YTD ann.)
2.99%
23Q033.38% 23Q063.33% 23Q093.27% 23Q123.22% 24Q033.02% 24Q063.00% 24Q092.97% 24Q122.99%
Efficiency ratio
65.3%
23Q0358.3% 23Q0659.4% 23Q0960.0% 23Q1264.8% 24Q0368.0% 24Q0666.1% 24Q0965.4% 24Q1265.3%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

Set up a pilot →