Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
2.4% 10-Q filed 2026-11-05What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Citi’s net interest margin was 2.43% on a taxable equivalent basis in the third quarter of 2026, a decrease of 11 basis points from the prior quarter, largely driven by lower Markets NII, partially offset by a benefit from rates.”
Read it in the filing ↗
Efficiency ratio
64.7% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 67.0% | 68.1% | 71.7% | 66.4% | 64.7% |
XBRL: NoninterestExpense, 0000831001-26-000011; InterestIncomeExpenseNet, 0000831001-26-000011; NoninterestIncome, 0000831001-26-000011
Loans to deposits
52.2% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| 46.9% | 51.3% | 52.6% | 52.2% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0000831001-26-000011; Deposits, 0000831001-26-000011
Return on tangible common equity
8.5% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 14.0% | 9.4% | 5.6% | 7.6% | 8.5% |
XBRL: NetIncomeLoss, 0000831001-26-000011; StockholdersEquity, 0000831001-26-000011; PreferredStockValue, 0000831001-26-000011; Goodwill, 0000831001-26-000011; IntangibleAssetsNetExcludingGoodwill, 0000831001-26-000011
Net interest income
$59.8B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $42.5B | $48.7B | $54.9B | $54.1B | $59.8B |
XBRL: InterestIncomeExpenseNet, 0000831001-26-000011
Work on C in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/C/export.csv") into a cell.