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Citizens Bank, National Association

Providence, RI · Est. 2005 · Website ↗
C
Trust Grade
Average
Score: 72/100

Citizens Bank, National Association is a bank based in Providence, Rhode Island, established in 2005, with $227.1 billion in total assets across 977 branches. By Trust Grade it ranks 6th of 6 banks we track in Rhode Island. Its capital ratio of 11.7% is stronger than 72% of similarly sized banks, versus a Rhode Island median of 11.1%. It was profitable over the most recent period, with a 0.94% return on assets. Consumers filed 7,015 complaints about CITIZENS FINANCIAL GROUP, INC. with the CFPB — 30.9 per $1B in assets, a higher rate than 76% of peers.

Total assets
$227.1B
≥$100B institution
Deposits
$186.9B
Branches
977
Capital ratio
11.7%
Top 28% of ≥$100B peers · Rhode Island median 11.1%
Return on assets
0.9%
Bottom 16% of ≥$100B peers · Rhode Island median 0.66%
Rank in Rhode Island
#6
of 6 banks

How Citizens Bank, National Association compares to Rhode Island peers

Capital ratio
Top 28% of ≥$100B peers
Citizens Bank,
11.7%
Rhode Island median
11.1%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 16% of ≥$100B peers
Citizens Bank,
0.9%
Rhode Island median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Citizens Bank, National Association

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
97/100
Customer experience
47.078047042052745/100
Overall
C · 72
  • Strongly capitalized (11.7% capital ratio)
  • Profitable (ROA 0.94%)
  • 30.9 complaints per $1B in assets

Consumer complaints (CFPB)

7,015 complaints filed with the CFPB against CITIZENS FINANCIAL GROUP, INC. — 30.9 per $1B in assets.

Total complaints
7,015
Per $1B assets
30.9
Lower = better
Answered on time
100.0%
Closed with relief
17.9%
Complaints by product
Checking or savings account
3,556
Credit reporting or other personal consumer reports
854
Mortgage
850
Credit card
390
Debt collection
341

Branch locations (977)

  • 344 Main St, Beacon, NY 12508
  • 273 Wall St, Kingston, NY 12401
  • 140 Washington St, Dover, NH 03820
  • 1 Capital Plz, Concord, NH 03301
  • 134 Pleasant St, Portsmouth, NH 03801
  • 154 Water St, Exeter, NH 03833
  • 35 Winnacunnet Rd, Hampton, NH 03842
  • 587 Main St, Laconia, NH 03246
  • 470 Bank St, New London, CT 06320
  • 28 State St, Boston, MA 02109
  • 2779 White Mountain Hwy, North Conway, NH 03860
  • 10 Lumber Yard Dr, Lincoln, NH 03251
  • 11 Fearing Rd, Hingham, MA 02043
  • 8 Washington Sq, Newport, RI 02840
  • 1090 Charles St, North Providence, RI 02904
  • 42 Nashua Rd, Londonderry, NH 03053
  • 91 S River Rd, Bedford, NH 03110
  • 1101 White Horse Rd, Voorhees, NJ 08043
  • 66 Nh Route 25, Meredith, NH 03253
  • 326 Cambridge St, Boston, MA 02114
  • 580 Columbia Rd, Dorchester, MA 02125
  • 45 S Broadway, Salem, NH 03079
  • 39 Church St, New Haven, CT 06510
  • 20 N Park Ave, Plymouth, MA 02360
  • 225 Pleasant St, Malden, MA 02148
  • 1177 Hancock St, Quincy, MA 02169
  • 147 Main St, Gloucester, MA 01930
  • 40 Highland Cmn E, Hudson, MA 01749
  • 355 Main St, Woburn, MA 01801
  • 698 Massachusetts Ave, Cambridge, MA 02139
  • 1776 Massachusetts Ave, Lexington, MA 02420
  • 33 Center St, Ludlow, MA 01056
  • 40 Adams St, Milton, MA 02186
  • 21 Fairhaven Commons Way, Fairhaven, MA 02719
  • 212 Elm St, Somerville, MA 02144
  • 607 Boylston St, Boston, MA 02116
  • 57 Middle Neck Rd, Great Neck, NY 11021
  • 603 Jericho Tpke, Syosset, NY 11791
  • 15 Union Sq W, New York, NY 10003
  • 5120 Northern Blvd, Woodside, NY 11377

Are deposits at Citizens Bank, National Association insured?

Yes. Citizens Bank, National Association is an FDIC-insured bank (FDIC certificate #57957). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Citizens Bank, National Association: frequently asked questions

Is Citizens Bank, National Association a good bank?

Citizens Bank, National Association earns a Bankzia Trust Grade of C (72/100, "Average"), based on a financial-strength score of 97/100 and a customer-experience score of 47.078047042052745/100. Strongly capitalized (11.7% capital ratio); Profitable (ROA 0.94%).

Is Citizens Bank, National Association FDIC-insured?

Yes. Citizens Bank, National Association is a FDIC-insured bank (FDIC certificate #57957). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Citizens Bank, National Association?

Citizens Bank, National Association holds $227.1 billion in total assets, ranking 6th of 6 banks we track in Rhode Island. It operates 977 branches.

How many complaints does Citizens Bank, National Association have?

Consumers filed 7,015 complaints about CITIZENS FINANCIAL GROUP, INC. with the CFPB, or 30.9 per $1B in assets. 100% were answered on time. 18% closed with relief to the consumer.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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