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.

The score has been essentially flat from Q2 2025 to Q2 2026 (54 → 54).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. Citizens Bank, National Association is an FDIC-insured institution (FDIC certificate #57957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.5% of deposits ($89.6B) 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 9.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.75% (benchmark: 10%).

Check how much of your own balance is covered

Citizens Bank, National Association lists 706 offices in 400 cities across 16 states. Most locations:

• Philadelphia, PA (34)
• Pittsburgh, PA (20)
• Brooklyn, NY (18)
• Boston, MA (16)
• New York, NY (16)
• New York City, NY (10)
• Rochester, NY (10)
• Providence, RI (9)
• Cleveland, OH (8)
• Cranston, RI (7)
• Detroit, MI (6)
• Bronx, NY (5)

All branch addresses and map

Over the last three years, the CFPB forwarded 6,060 consumer complaints about CITIZENS FINANCIAL GROUP, INC. to the company (2,109 in the last 12 months). 100.0% received a timely response. That is 32.1 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.

Complaint breakdown by product and issue

In 2025, Citizens Bank, National Association reported 113,751 home-loan applications under HMDA (LEI DRMSV1Q0EKMEXLAU1P80): 68,902 originated ($20,979,770,000 total), 34,344 denied, and 8,003 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.5%, 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.

Legal name

Citizens Bank, National Association

Former names

Citizens Bank, N.A.; RBS Citizens, National Association

Type

National bank

FDIC certificate #

57957

RSSD ID

3303298

Primary regulator

OCC

Holding company

Citizens Financial Group Inc

Established

May 13, 2005

Headquarters

1 Citizens Plz, Providence, RI 02903

Website

www.citizensbank.com

Employees

17,326