Headquartered in Sioux Falls, South Dakota, Citibank, National Association is a national bank with $2.0T in total assets and $1.5T in deposits as of Q2 2026. It operates 955 offices across 13 states. Its charter dates back to 1812.
Citibank, National Association has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 32 banks with over $100 billion. Among 56 banks headquartered in South Dakota, it ranks 47th. Problem-loan coverage contributes the most (95/100, 2.6%); capital cushion contributes the least (29/100, 7.87%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 61 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 60 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.99% |
| Q3 2024 | 9.04% |
| Q4 2024 | 9.01% |
| Q1 2025 | 9.18% |
| Q2 2025 | 8.95% |
| Q3 2025 | 8.78% |
| Q4 2025 | 8.60% |
| Q1 2026 | 8.16% |
| Q2 2026 | 7.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.85% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $2.0T | 7.87% | 0.66% | 1.06% | 47.8% |
| Q1 2026 | 60 | $1.9T | 8.16% | 0.75% | 1.06% | 47.2% |
| Q4 2025 | 60 | $1.8T | 8.60% | 0.77% | 0.85% | 47.8% |
| Q3 2025 | 60 | $1.8T | 8.78% | 0.81% | 0.87% | 47.8% |
| Q2 2025 | 61 | $1.8T | 8.95% | 0.76% | 0.84% | 48.1% |
| Q1 2025 | 62 | $1.8T | 9.18% | 0.73% | 0.87% | 48.1% |
| Q4 2024 | 61 | $1.7T | 9.01% | 0.75% | 0.78% | 48.9% |
| Q3 2024 | 62 | $1.7T | 9.04% | 0.66% | 0.83% | 47.4% |
| Q2 2024 | 62 | $1.7T | 8.99% | 0.67% | 0.82% | 48.9% |
32 peers · Over $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
Deposit insurance
Is my money safe at Citibank, National Association?
Yes. Citibank, National Association is an FDIC-insured institution (FDIC certificate #7213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.8% of deposits ($739.5B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.87%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.71% (benchmark: 10%).
955 locations
Branches
Citibank, National Association lists 816 offices in 400 cities across 13 states. Most locations:
- New York, NY (35)
- Brooklyn, NY (27)
- New York City, NY (27)
- Chicago, IL (24)
- Los Angeles, CA (23)
- Buenos Aires, (21)
- San Francisco, CA (19)
- Miami, FL (17)
- Bronx, NY (15)
- Washington, DC (15)
- Santiago, (14)
- San Jose, CA (9)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 55,168 consumer complaints about CITIBANK, N.A. to the company (23,525 in the last 12 months). 100.0% received a timely response. That is 35.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
HMDA 2025
Mortgage lending
In 2025, Citibank, National Association reported 30,088 home-loan applications under HMDA (LEI E57ODZWZ7FF32TWEFA76): 15,812 originated ($18,191,490,000 total), 5,129 denied, and 8,683 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| AAdvantage MileUp Card | 19.49% – 29.49% | $0 | $41 | 3.0% |
| AT&T Points Plus Card | 19.49% – 27.49% | $0 | $41 | 3.0% |
| Bloomingdales American Express Card | 32.74% | $0 | $41 | 3.0% |
| Bloomingdale's Credit Card | 32.74% | $0 | $41 | 0.0% |
| BrandSource Credit Card | 34.24% | $0 | $41 | 0.0% |
| Citi AAdvantage Executive World Elite MasterCard | 19.49% – 29.49% | $595 | $41 | 0.0% |
| Citi AAdvantage Globe Mastercard | 19.49% – 29.49% | $350 | $41 | 0.0% |
| Citi AAdvantage Platinum Select | 19.49% – 29.49% | $99 | $41 | 0.0% |
Identity & history
Profile
- Legal name
- Citibank, National Association
- Former names
- Citibank, N. A.; First National City Bank; The First National City Bank of NewYork; The National City Bank of NewYork
- Type
- National bank
- FDIC certificate #
- 7213
- RSSD ID
- 476810
- Primary regulator
- OCC
- Holding company
- Citigroup Inc
- Established
- June 16, 1812
- Headquarters
- 5800 S Corporate Pl, Sioux Falls, SD 57108
- Website
- www.citibank.com
- Employees
- 169,535
Quick answers
Citibank, National Association: common questions
Is Citibank, National Association FDIC insured?
Yes. Citibank, National Association is an FDIC-insured institution (FDIC certificate #7213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citibank, National Association's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citibank, National Association ever failed?
FDIC records show Citibank, National Association failed on November 23, 2008.
How many branches does Citibank, National Association have?
955 offices as of the latest FDIC data, in 13 states.
Nearby
Highest-scoring banks and credit unions with branches near Sioux Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |