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← Filings of CFG

Tables in the 10-Q of CITIZENS FINANCIAL GROUP INC/RI

113 tables with numbers, filed Oct 28, 2026. Each one downloads as an Excel file or a CSV (numbers are stored as numbers), with the filing's address in the last row. Only the layout is tidied (a "$" or ")" in a cell of its own is joined to its number); no value is changed. Open the filing on sec.gov ↗

Table 1 after “Securities registered pursuant to Section 12(b) of the Act:”

Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, $0.01 par value per shareCFGNew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series ECFG PrENew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series HCFG PrHNew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series ICFG PrINew York Stock Exchange

Table 2 after “shares of the registrant’s common stock ($0.01 par value) outstanding on October 23, 2026.”

Table of Contents
Glossary of Acronyms and Terms3
Part I. Financial Information5
Item 1. Financial Statements (Unaudited)40
Consolidated Balance Sheets41
Consolidated Statements of Operations42
Consolidated Statements of Comprehensive Income43
Consolidated Statements of Changes in Stockholders’ Equity44

First 8 of 22 rows. The download has all of them.

Table 3 after “The following is a list of common acronyms and terms used regularly in our financial reporting:”

ACLAllowance for Credit Losses: Allowance for Loan and Lease Losses plus Allowance for Unfunded Lending Commitments
AFSAvailable for Sale
ALLLAllowance for Loan and Lease Losses
AOCIAccumulated Other Comprehensive Income (Loss)
ASUAccounting Standards Update
ATMAutomated Teller Machine
Board or Board of DirectorsThe Board of Directors of Citizens Financial Group, Inc.
bpsBasis Points

First 8 of 41 rows. The download has all of them.

Table 4 after “Citizens Financial Group, Inc. | 3”

OCCOffice of the Comptroller of the Currency
OCIOther Comprehensive Income (Loss)
Parent CompanyCitizens Financial Group, Inc. (the Parent Company of Citizens Bank, National Association and other subsidiaries)
PCDPurchased Credit Deteriorated
ROTCEReturn on Average Tangible Common Equity
RPARisk Participation Agreement
RWARisk-Weighted Assets
SBAUnited States Small Business Administration

First 8 of 20 rows. The download has all of them.

Table 5 after “ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS”

Page
Forward-Looking Statements6
Introduction7
Executive Summary7
Consolidated Statement of Operations Analysis10
Consolidated Balance Sheet Analysis15
Business Segments17
Risk Management19

First 8 of 17 rows. The download has all of them.

Table 6 after “The following tables present the major components of our net interest income. Average balance represents amortized cost, excluding the unamo”

Table 1: Major Components of Net Interest Income
Three Months Ended September 30,
20262025Change
(dollars in millions)Average BalanceIncome/ ExpenseYield/ RateAverage BalanceIncome/ ExpenseYield/ RateAverage BalanceYield/ Rate (bps)
Assets
Interest-bearing cash and due from banks and deposits in banks$10,941$1033.66%$9,015$974.24%$1,926(58) bps
Taxable investment securities49,2104623.7546,4524333.712,7584
Non-taxable investment securities1—2.601—2.60——

First 8 of 42 rows. The download has all of them.

Table 7 after “Citizens Financial Group, Inc. | 11”

Nine Months Ended September 30,
20262025Change
(dollars in millions)Average BalanceIncome/ ExpenseYield/ RateAverage BalanceIncome/ ExpenseYield/ RateAverage BalanceYield/ Rate (bps)
Assets:
Interest-bearing cash and due from banks and deposits in banks$10,623$2973.68%$8,445$2784.35%$2,178(67) bps
Taxable investment securities48,0841,3323.6946,3541,2793.681,7301
Non-taxable investment securities1—2.601—2.60——
Total investment securities48,0851,3323.6946,3551,2793.681,7301

First 8 of 41 rows. The download has all of them.

Table 8 after “The following table presents the components of noninterest income:”

Table 2: Noninterest Income
Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)20262025ChangePercent20262025ChangePercent
Service charges and fees$120$112$87%$349$332$175%
Capital markets fees149166(17)(10)4363716518
Wealth fees1099316173112624919
Card fees90873326226021
Mortgage banking fees3549(14)(29)119181(62)(34)

First 8 of 13 rows. The download has all of them.

Table 9 after “The following table presents the components of noninterest expense:”

Table 3: Noninterest Expense
Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)20262025ChangePercent20262025ChangePercent
Salaries and employee benefits$750$705$456%$2,253$2,082$1718%
Equipment and software20219753594584102
Outside services174161138510485255
Occupancy1071061132932631
Other operating expense160166(6)(4)479491(12)(2)

First 8 of 9 rows. The download has all of them.

Table 10 after “The following table presents the major components of securities at amortized cost and fair value:”

Table 4: Amortized Cost and Fair Value of Securities
September 30, 2026December 31, 2025
(dollars in millions)Amortized Cost(1)Fair ValueAmortized Cost(1)Fair Value
U.S. Treasury and other$4,736$4,573$3,163$3,123
State and political subdivisions1111
Mortgage-backed securities:
Federal agencies and U.S. government sponsored entities33,99931,25433,37932,220
Other/non-agency163162268264

First 8 of 19 rows. The download has all of them.

Table 11 after “The following table presents loans and leases, excluding LHFS:”

Table 5: Composition of Loans and Leases, Excluding LHFS
(dollars in millions)September 30, 2026December 31, 2025ChangePercent
Commercial and industrial$53,889$49,232$4,6579%
Commercial real estate23,33424,580(1,246)(5)
Total commercial77,22373,8123,4115
Residential mortgages37,03635,0242,0126
Home equity20,92619,0691,85710
Automobile1,1702,310(1,140)(49)

First 8 of 12 rows. The download has all of them.

Table 12 after “The following table presents the composition of deposits:”

Table 6: Composition of Deposits
(dollars in millions)September 30, 2026% of Total DepositsDecember 31, 2025% of Total Deposits
Noninterest-bearing demand$40,91622%$40,41722%
Checking with interest38,5262137,42820
Savings22,4241224,35313
Money market63,3793460,06233
Time19,9831121,05312
Total deposits$185,228100%$183,313100%

Table 13 after “The following table presents an analysis of estimated insured/secured deposits as a percentage of total deposits:”

Table 7: Uninsured and Insured/Secured Deposits
(dollars in millions)September 30, 2026December 31, 2025
Estimated uninsured deposits(1)$90,005$86,877
Less: Uninsured affiliate deposits eliminated in consolidation12,56011,555
Less: Preferred deposits(1)(2)6,4976,923
CFG adjusted estimated uninsured deposits, excluding preferred deposits70,94868,399
Total estimated insured/secured deposits$114,280$114,914
Insured/secured deposits to total deposits62%63%

Table 14 after “The following tables present certain financial data of our reportable business segments. Total reportable business segment financial results”

Table 8: Selected Financial Data for Business Segments
Three Months Ended September 30,
Consumer BankingCommercial Banking
(dollars in millions)2026202520262025
Net interest income$1,393$1,262$481$448
Noninterest income317311285286
Total revenue1,7101,573766734
Noninterest expense1,015979333333

First 8 of 18 rows. The download has all of them.

Table 15 after “Citizens Financial Group, Inc. | 17”

Nine Months Ended September 30,
Consumer BankingCommercial Banking
(dollars in millions)2026202520262025
Net interest income$4,050$3,673$1,404$1,328
Noninterest income930937840733
Total revenue4,9804,6102,2442,061
Noninterest expense3,0592,896993977
Profit (loss) before credit losses1,9211,7141,2511,084

First 8 of 17 rows. The download has all of them.

Table 16 after “The following table presents our commercial and industrial loan portfolio by industry sector:”

Table 9: Commercial and Industrial Loans by Industry Sector
September 30, 2026December 31, 2025
(dollars in millions)Balance% of Total Loans and LeasesBalance% of Total Loans and Leases
Industry sector
Finance and insurance
Capital call facilities$10,4807%$8,5796%
Secured private credit finance4,46233,9633
Other finance and insurance6,01344,6333

First 8 of 24 rows. The download has all of them.

Table 17 after “The following table presents our CRE loan portfolio by property type and state:”

Table 10: Commercial Real Estate by Property Type and State
September 30, 2026December 31, 2025
(dollars in millions)Balance% of Total Loans and LeasesBalance% of Total Loans and Leases
Property type
Multifamily$8,4666%$9,1966%
Office
Credit tenant lease and life sciences(1)1,70112,0431
Other general office1,94712,4162

First 8 of 26 rows. The download has all of them.

Table 18 after “The following table presents an aging analysis of accruing and nonaccrual loans for our retail loan portfolio:”

Table 11: Retail Loan Portfolio Analysis
September 30, 2026December 31, 2025
Days Past Due and AccruingDays Past Due and Accruing
Current30-5960-8990+NonaccrualCurrent30-5960-8990+Nonaccrual
Residential mortgages98.63%0.20%0.12%0.42%0.63%98.64%0.27%0.13%0.40%0.56%
Home equity97.890.430.15—1.5397.670.500.150.011.67
Automobile94.362.911.11—1.6295.372.550.87—1.21
Education99.040.400.280.030.2599.120.430.190.020.24

First 8 of 10 rows. The download has all of them.

Table 19 after “The following table presents nonaccrual loans and leases:”

Table 12: Nonaccrual Loans and Leases
(dollars in millions)September 30, 2026December 31, 2025ChangePercent
Commercial and industrial$255$277($22)(8)%
Commercial real estate578618(40)(6)
Total commercial833895(62)(7)
Residential mortgages2341963819
Home equity32131921
Automobile1928(9)(32)

First 8 of 15 rows. The download has all of them.

Table 20 after “The following table presents the ACL and associated coverage ratio for our loan and lease portfolios:”

Table 13: Allocation of the ACL and Related Coverage Ratios by Portfolio
September 30, 2026December 31, 2025
(dollars in millions)Loans and LeasesAllowanceCoverage Ratio% of Total Loans and Leases(1)Loans and LeasesAllowanceCoverage Ratio% of Total Loans and Leases(1)
Allowance for Loan and Lease Losses
Commercial and industrial$53,889$5000.93%36%$49,232$5081.03%35%
Commercial real estate23,3345462.341624,5805502.2417
Total commercial77,2231,0461.355273,8121,0581.4352
Residential mortgages37,0362280.622535,0242250.6425

First 8 of 19 rows. The download has all of them.

Table 21 after “The following tables present the net charge-off ratio for our loan and lease portfolios:”

Table 14: Ratio of Net Charge-Offs to Average Loans and Leases
Three Months Ended September 30,
20262025
(dollars in millions)Net Charge-OffsAverage BalanceRatioNet Charge-OffsAverage BalanceRatio
Commercial and industrial$41$53,1790.31%$30$46,3510.26%
Commercial real estate3223,7410.545525,7990.85
Total commercial7376,9200.388572,1500.47
Residential mortgages—36,604——34,134—

First 8 of 14 rows. The download has all of them.

Table 22 after “Citizens Financial Group, Inc. | 23”

Nine Months Ended September 30,
20262025
(dollars in millions)Net Charge-OffsAverage BalanceRatioNet Charge-OffsAverage BalanceRatio
Commercial and industrial$125$51,8560.32%$99$44,9720.30%
Commercial real estate9224,1560.5115926,4290.81
Total commercial21776,0120.3825871,4010.48
Residential mortgages(2)35,833——33,480—
Home equity219,8980.02(5)17,338(0.04)

First 8 of 13 rows. The download has all of them.

Table 23 after “The following table presents the sensitivity of net interest income to parallel shifts in the yield curve from the market-implied forward cu”

Table 15: Sensitivity of Net Interest Income
Estimated % Change in Net Interest Income over 12 Months
Basis pointsSeptember 30, 2026December 31, 2025
Gradual Change in Interest Rates
+2000.9%2.0%
+1000.51.0
-100(0.7)(1.1)
-200(1.3)(2.4)

First 8 of 13 rows. The download has all of them.

Table 24 after “The following table presents interest rate derivative contracts that we have entered into as of September 30, 2026 and December 31, 2025:”

Table 16: Interest Rate Hedges Used to Manage Non-Trading Interest Rate Exposure
September 30, 2026December 31, 2025
Weighted AverageWeighted Average
(dollars in millions)Notional AmountMaturity (Years)Fixed RateReset RateNotional AmountMaturity (Years)Fixed RateReset Rate
Fair value hedges:
Asset conversion swaps:
AFS securities:
Pay fixed/receive SOFR$4,9613.43.8%3.9%$6,6083.83.8%3.9%

First 8 of 24 rows. The download has all of them.

Table 25 after “The U.S. banking regulators’ “Market Risk Rule” governs the calculation of market risk capital. Under this rule, our client facing trades an”

Table 17: Results of Modeled and Non-Modeled Measures for Regulatory Capital Calculations
(dollars in millions)For the Three Months Ended September 30, 2026For the Three Months Ended September 30, 2025
Market Risk CategoryPeriod EndAverageHighLowPeriod EndAverageHighLow
Interest Rate$2$1$2$1$1$1$2$1
Foreign Exchange Currency Rate——————21—
Credit Spread112—112—
Commodity————————
General VaR33312222

First 8 of 18 rows. The download has all of them.

Table 26 after “Credit ratings assigned by agencies such as Moody’s, S&P, and Fitch impact our access to unsecured wholesale market funds and to large unins”

Table 18: Credit Ratings
September 30, 2026
Moody’sS&PFitch
Citizens Financial Group, Inc.:
Long-term issuerBaa1BBB+A-
Short-term issuerNRA-2F1
Senior unsecuredBaa1BBB+BBB+
Subordinated debtBaa1BBBBBB

First 8 of 15 rows. The download has all of them.

Table 27 after “For additional discussion of the U.S. Basel III capital framework and its related application, see “Regulation and Supervision” in our 2025 ”

Table 19: Regulatory Capital Ratios Under the U.S. Basel III Standardized Rules
September 30, 2026December 31, 2025
(dollars in millions)AmountRatioAmountRatioRequired Minimum Capital Ratio(1)
CET1 capital
CFG$18,67310.5%$18,24010.6%9.0%
CBNA21,15012.020,94612.37.0
Tier 1 capital
CFG20,88311.820,35111.910.5

First 8 of 21 rows. The download has all of them.

Table 28 after “The following table presents the components of our regulatory capital under the U.S. Basel III capital framework:”

Table 20: Capital Composition Under the U.S. Basel III Capital Framework
(dollars in millions)September 30, 2026December 31, 2025
Total common stockholders' equity$22,952$24,206
Adjustments:
Net unrealized (gains)/losses recorded in AOCI, net of tax:
Debt securities2,8261,603
Derivatives614118
Unamortized net periodic benefit costs242249

First 8 of 21 rows. The download has all of them.

Table 29 after “The following table presents our regulatory capital ratios including the AOCI impact from securities and pension:”

Table 21: AOCI Impact on Regulatory Capital
September 30, 2026
CFGCBNA
(dollars in millions)CET1Tier 1TotalCET1Tier 1Total
Regulatory capital, including AOCI impact:
Regulatory capital$18,673$20,883$24,341$21,150$21,150$24,355
Unrealized gains (losses) on securities and pension(3,068)(3,068)(3,068)(3,049)(3,049)(3,049)
Deferred tax assets - securities and pension AOCI(50)(50)(50)(53)(53)(53)

First 8 of 17 rows. The download has all of them.

Table 30 after “Accounting standards issued but not adopted as of September 30, 2026:”

PronouncementSummary of GuidanceEffects on Financial Statements
Disaggregation of Income Statement Expenses Issued November 2024•Requires tabular disclosure of certain expense types, including employee compensation, depreciation, intangible asset amortization, and selling expenses. •Requires a qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated. •Allows for adoption on either a prospective or retrospective basis.•Required effective date: Annual financial statements for the year ending December 31, 2027, and interim reporting periods thereafter. Early adoption is permitted. •We are currently evaluating the impact of this ASU on our required expense disclosures in the Consolidated Financial Statements.
Targeted Improvements to the Accounting for Internal-Use Software Issued September 2025•Eliminates all references to software project development stages and, as a result, requires entities to start capitalizing software costs when both of the following occur: 1) Management has authorized and committed to funding the software project, and 2) It is probable the project will be completed and the software will be used to perform the function intended. •Requires software costs to be expensed as incurred prior to meeting the capitalization requirements noted above. •Allows for adoption on a prospective, modified transition, or retrospective basis.•Required effective date: January 1, 2028. Early adoption is permitted. •We are currently evaluating the impact of this ASU on our Consolidated Financial Statements.
Purchased Loans Issued November 2025•Expands the scope of acquired financial assets subject to the gross-up approach under ASC 326 to include purchased seasoned loans, which must meet certain criteria outlined in the ASU. •Purchased seasoned loans do not include credit cards, debt securities, and certain trade receivables. •Provides for an irrevocable accounting policy election to measure the ACL on purchased seasoned loans using the amortized cost basis, rather than unpaid principal balance, if a method other than a discounted cash flow method is utilized to estimate expected credit losses. •Requires adoption on a prospective basis.•Required effective date: January 1, 2027. Early adoption is permitted. •Adoption of this ASU will impact our Consolidated Financial Statements on a prospective basis only when loans are acquired.
Hedge Accounting Improvements Issued November 2025•Expands the hedged risks permitted to be aggregated in a group of individual forecasted transactions in a cash flow hedge by changing the requirement to designate a group of individual forecasted transactions from having a shared risk exposure to having a similar risk exposure. •Requires assessment of hedged risk similarity both at hedge inception and on an ongoing basis. •Requires dedesignation of the hedge relationship if one or more hedged risks related to the group of individual forecasted transactions are no longer similar. •The amendments in this ASU should be applied on a prospective basis for all hedging relationships. An entity may elect to apply the amendments to relationships that exist as of the date of adoption.•Required effective date: January 1, 2027. Early adoption is permitted. •Adoption of this ASU is not expected to have a material impact on our Consolidated Financial Statements.

Table 31 after “The following tables present the computation of non-GAAP financial measures used in MD&A, as well as the reconciliation to the comparable GA”

Table 22: Reconciliation of Tangible Book Value per Common Share (non-GAAP)
(dollars in millions, except per share data)September 30, 2026December 31, 2025
Book value per common share(1)$54.49$56.39
Tangible book value per common share:
Common stockholders' equity$22,952$24,206
Less: Goodwill8,2208,187
Less: Other intangible assets100115
Add: Deferred tax liabilities related to goodwill and other intangible assets438437

First 8 of 11 rows. The download has all of them.

Table 32 after “Tangible book value per common share is a non-GAAP financial measure and is calculated based on tangible common equity divided by common sha”

Table 23: Reconciliation of Return on Average Tangible Common Equity (non-GAAP)
Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Return on average common equity(1)10.05%7.77%9.18%7.07%
Net income available to common stockholders$599$457$1,637$1,199
Net income available to common stockholders (annualized)2,3771,8112,1881,602
Return on average tangible common equity:
Average common equity$23,644$23,288$23,825$22,661

First 8 of 13 rows. The download has all of them.

Table 33 after “Citizens Financial Group, Inc. | 38”

Table 24: Reconciliation of Net Interest Income and Net Interest Margin on an FTE Basis (non-GAAP)
Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Net interest income (annualized)$6,645$5,902$6,509$5,771
Average interest-earning assets208,942197,598205,906196,334
Net interest margin(1)3.18%2.99%3.16%2.94%
Net interest income$1,675$1,488$4,868$4,316
FTE adjustment34912

First 8 of 11 rows. The download has all of them.

Table 34 after “ITEM 1. FINANCIAL STATEMENTS (UNAUDITED)”

Page
Consolidated Balance Sheets41
Consolidated Statements of Operations42
Consolidated Statements of Comprehensive Income43
Consolidated Statements of Changes in Stockholders’ Equity44
Consolidated Statements of Cash Flows46
Notes to Consolidated Financial Statements47
Note 1 - Significant Accounting Policies47

First 8 of 23 rows. The download has all of them.

Table 35 after “CONSOLIDATED BALANCE SHEETS (UNAUDITED)”

(dollars in millions, except par value)September 30, 2026December 31, 2025
ASSETS:
Cash and due from banks$1,041$1,464
Interest-bearing cash and due from banks11,92511,263
Interest-bearing deposits in banks(1)592961
Debt securities available for sale, at fair value (including $151 and $108 pledged to creditors, respectively)(2)36,03035,697
Debt securities held to maturity (fair value of $7,052 and $7,150, respectively, and including $58 and $67 pledged to creditors, respectively)(2)8,2987,933
Loans held for sale (includes $656 and $1,065, respectively, measured at fair value)8841,198

First 8 of 39 rows. The download has all of them.

Table 36 after “CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions, except per share data)2026202520262025
INTEREST INCOME:
Interest and fees on loans and leases$2,034$1,897$5,886$5,577
Interest and fees on loans held for sale22316983
Investment securities(1)4624331,3321,279
Interest-bearing deposits in banks10397297278
Total interest income2,6212,4587,5847,217

First 8 of 44 rows. The download has all of them.

Table 37 after “CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Net income$636$494$1,740$1,303
Other comprehensive income (loss), net of tax:
Cash flow hedges:
Net unrealized gains (losses) arising during the period(371)(16)(675)275
Reclassification of net (gains) losses to earnings43144179437
Investment securities:

First 8 of 14 rows. The download has all of them.

Table 38 after “CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (UNAUDITED)”

Preferred StockCommon StockAdditional Paid-in CapitalRetained EarningsTreasury Stock, at CostAccumulated Other Comprehensive Income (Loss)Total
(dollars and shares in millions)SharesAmountSharesAmount
Balance at July 1, 20252$2,113433$7$22,420$10,783($7,450)($2,639)$25,234
Dividends declared - common stock—————(184)——(184)
Dividends declared - preferred stock—————(32)——(32)
Preferred stock issued—393——————393
Preferred stock redemption—(395)———(5)——(400)
Treasury stock purchased——(2)———(75)—(75)

First 8 of 30 rows. The download has all of them.

Table 39 after “CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (UNAUDITED)”

Preferred StockCommon StockAdditional Paid-in CapitalRetained EarningsTreasury Stock, at CostAccumulated Other Comprehensive Income (Loss)Total
(dollars and shares in millions)SharesAmountSharesAmount
Balance at January 1, 20252$2,113441$7$22,364$10,412($7,047)($3,595)$24,254
Dividends declared - common stock—————(555)——(555)
Dividends declared - preferred stock—————(99)——(99)
Preferred stock issued—393——————393
Preferred stock redemption—(395)———(5)——(400)
Treasury stock purchased——(12)———(475)—(475)

First 8 of 30 rows. The download has all of them.

Table 40 after “CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)”

Nine Months Ended September 30,
(dollars in millions)20262025
OPERATING ACTIVITIES
Net income$1,740$1,303
Adjustments to reconcile net income to net change due to operating activities:
Provision (benefit) for credit losses399471
Net change in Loans held for sale335(81)
Depreciation, amortization, and accretion315366

First 8 of 45 rows. The download has all of them.

Table 41 after “The following table presents the major components of securities at amortized cost and fair value:”

September 30, 2026December 31, 2025
(dollars in millions)Amortized Cost(1)Gross Unrealized GainsGross Unrealized LossesFair ValueAmortized Cost(1)Gross Unrealized GainsGross Unrealized LossesFair Value
U.S. Treasury and other$4,736$—($163)$4,573$3,163$10($50)$3,123
State and political subdivisions1——11——1
Mortgage-backed securities:
Federal agencies and U.S. government sponsored entities33,99911(2,756)31,25433,379215(1,374)32,220
Other/non-agency163—(1)162268—(4)264
Total mortgage-backed securities34,16211(2,757)31,41633,647215(1,378)32,484

First 8 of 17 rows. The download has all of them.

Table 42 after “The following table presents the amortized cost and fair value of debt securities by contractual maturity as of September 30, 2026. Expected”

Distribution of Maturities
(dollars in millions)1 Year or LessAfter 1 Year through 5 YearsAfter 5 Years through 10 YearsAfter 10 YearsTotal
Amortized cost:
U.S. Treasury and other$799$2,891$1,046$—$4,736
State and political subdivisions———11
Mortgage-backed securities:
Federal agencies and U.S. government sponsored entities5181,8881,48430,10933,999
Other/non-agency———163163

First 8 of 28 rows. The download has all of them.

Table 43 after “The following table presents realized gains and losses on the sale of securities:”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Gains$11$2$24$14
Losses————
Securities gains, net$11$2$24$14

Table 44 after “The following tables present AFS debt securities with fair values below their respective carrying values, disclosed by the length of time th”

September 30, 2026
Less than 12 Months12 Months or LongerTotal
(dollars in millions)Fair ValueGross Unrealized LossesFair ValueGross Unrealized LossesFair ValueGross Unrealized Losses
U.S. Treasury and other$2,602($128)$1,971($35)$4,573($163)
Mortgage-backed securities:
Federal agencies and U.S. government sponsored entities19,198(1,031)10,822(1,725)30,020(2,756)
Other/non-agency——162(1)162(1)
Total mortgage-backed securities19,198(1,031)10,984(1,726)30,182(2,757)

First 8 of 9 rows. The download has all of them.

Table 45 after “The following tables present AFS debt securities with fair values below their respective carrying values, disclosed by the length of time th”

December 31, 2025
Less than 12 Months12 Months or LongerTotal
(dollars in millions)Fair ValueGross Unrealized LossesFair ValueGross Unrealized LossesFair ValueGross Unrealized Losses
U.S. Treasury and other$—$—$1,990($50)$1,990($50)
Mortgage-backed securities:
Federal agencies and U.S. government sponsored entities3,415(164)13,098(1,210)16,513(1,374)
Other/non-agency——263(4)263(4)
Total mortgage-backed securities3,415(164)13,361(1,214)16,776(1,378)

First 8 of 9 rows. The download has all of them.

Table 46 after “The following table presents loans and leases, excluding LHFS:”

(dollars in millions)September 30, 2026December 31, 2025
Commercial and industrial$53,889$49,232
Commercial real estate23,33424,580
Total commercial77,22373,812
Residential mortgages37,03635,024
Home equity20,92619,069
Automobile1,1702,310
Education7,9698,416

First 8 of 11 rows. The download has all of them.

Table 47 after “The following table presents the composition of LHFS:”

September 30, 2026December 31, 2025
(dollars in millions)Residential Mortgages(1)Commercial(2)TotalResidential Mortgages(1)Commercial(2)Total
Loans held for sale at fair value$515$141$656$895$170$1,065
Other loans held for sale—228228—133133
Total loans held for sale$515$369$884$895$303$1,198

Table 48 after “The following table presents a summary of changes in the ACL for the three and nine months ended September 30, 2026:”

Three Months Ended September 30, 2026Nine Months Ended September 30, 2026
(dollars in millions)CommercialRetailTotalCommercialRetailTotal
Allowance for loan and lease losses, beginning of period$1,116$853$1,969$1,058$885$1,943
Charge-offs(75)(89)(164)(242)(271)(513)
Recoveries225272578103
Net charge-offs(73)(64)(137)(217)(193)(410)
Provision expense (benefit) for loans and leases37073205167372
Allowance for loan and lease losses, end of period1,0468591,9051,0468591,905

First 8 of 12 rows. The download has all of them.

Table 49 after “The following table presents a summary of changes in the ACL for the three and nine months ended September 30, 2025:”

Three Months Ended September 30, 2025Nine Months Ended September 30, 2025
(dollars in millions)CommercialRetailTotalCommercialRetailTotal
Allowance for loan and lease losses, beginning of period$1,106$902$2,008$1,140$921$2,061
Charge-offs(91)(104)(195)(269)(361)(630)
Recoveries627331190101
Net charge-offs(85)(77)(162)(258)(271)(529)
Provision expense (benefit) for loans and leases6264126201239440
Allowance for loan and lease losses, end of period1,0838891,9721,0838891,972

First 8 of 12 rows. The download has all of them.

Table 50 after “The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of Septembe”

Term Loans and Leases by Origination YearRevolving Loans
(dollars in millions)20262025202420232022Prior to 2022Within the Revolving PeriodConverted to TermTotal
Commercial and industrial
Pass$6,426$7,422$2,244$786$1,404$2,140$30,883$202$51,507
Special Mention322725154841342—701
Substandard Accrual339199867330848221,426
Nonaccrual—5494892898255
Total commercial and industrial6,4327,6932,2929081,5672,60332,16223253,889

First 8 of 20 rows. The download has all of them.

Table 51 after “The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of December”

Term Loans and Leases by Origination YearRevolving Loans
(dollars in millions)20252024202320222021Prior to 2021Within the Revolving PeriodConverted to TermTotal
Commercial and industrial
Pass$8,889$3,985$1,196$2,415$1,174$1,966$26,951$77$46,653
Special Mention135421411741243594862
Substandard Accrual1316104132145258752201,440
Nonaccrual—4155717721075277
Total commercial and industrial8,9154,0101,3572,7451,5102,42028,16910649,232

First 8 of 20 rows. The download has all of them.

Table 52 after “The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of September 30, 2026:”

Term Loans by Origination YearRevolving Loans
(dollars in millions)20262025202420232022Prior to 2022Within the Revolving PeriodConverted to TermTotal
Residential mortgages
800+$1,881$2,716$1,488$1,179$3,148$10,423$—$—$20,835
740-7992,2851,6237805491,2824,340——10,859
680-7394814022412154591,648——3,446
620-67951695774126580——957
<62042618105104670——927

First 8 of 50 rows. The download has all of them.

Table 53 after “The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of December 31, 2025:”

Term Loans by Origination YearRevolving Loans
(dollars in millions)20252024202320222021Prior to 2021Within the Revolving PeriodConverted to TermTotal
Residential mortgages
800+$2,075$1,664$1,290$3,276$4,919$6,099$—$—$19,323
740-7992,3779606561,3752,0042,759——10,131
680-7396213242394836461,136——3,449
620-679747480141169491——1,029
<620618135130184605——1,078

First 8 of 50 rows. The download has all of them.

Table 54 after “The following tables present gross charge-offs by vintage date for the Company’s loan and lease portfolios:”

Nine Months Ended September 30, 2026
Term Loans and Leases by Origination YearRevolving Loans
(dollars in millions)20262025202420232022Prior to 2022Within the Revolving PeriodConverted to TermTotal
Commercial and industrial$—$13$10$25$7$11$77$—$143
Commercial real estate———122562——99
Total commercial—131037327377—242
Residential mortgages—————3——3
Home equity—————313—16

First 8 of 13 rows. The download has all of them.

Table 55 after “The following tables present gross charge-offs by vintage date for the Company’s loan and lease portfolios:”

Nine Months Ended September 30, 2025
Term Loans and Leases by Origination YearRevolving Loans
(dollars in millions)20252024202320222021Prior to 2021Within the Revolving PeriodConverted to TermTotal
Commercial and industrial$—$—$2$51$22$5$26$—$106
Commercial real estate—132112126——163
Total commercial—15723413126—269
Residential mortgages—————2——2
Home equity———1—29—12

First 8 of 13 rows. The download has all of them.

Table 56 after “The following tables present an aging analysis of accruing and nonaccrual loans and leases:”

September 30, 2026
Days Past Due and Accruing
(dollars in millions)Current30-5960-8990+NonaccrualTotalNonaccrual with no related ACL
Commercial and industrial$53,598$23$11$2$255$53,889$51
Commercial real estate22,55117823457823,33433
Total commercial76,14920134683377,22384
Residential mortgages36,529734315723437,036135
Home equity20,4839032—32120,926207

First 8 of 14 rows. The download has all of them.

Table 57 after “The following tables present an aging analysis of accruing and nonaccrual loans and leases:”

December 31, 2025
Days Past Due and Accruing
(dollars in millions)Current30-5960-8990+NonaccrualTotalNonaccrual with no related ACL
Commercial and industrial$48,873$63$14$5$277$49,232$34
Commercial real estate23,700184582061824,58085
Total commercial72,573247722589573,812119
Residential mortgages34,547934714119635,024155
Home equity18,6269528131919,069215

First 8 of 14 rows. The download has all of them.

Table 58 after “The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during”

Three Months Ended September 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionInterest Rate Reduction and Payment DelayTerm Extension and Payment DelayTerm Extension and Principal ForgivenessInterest Rate Reduction, Term Extension, and Payment DelayTotalTotal as a % of Loan Class(1)
Commercial and industrial$3$118$—$9$—$2$12$—$1440.27%
Commercial real estate—357———23——3801.63
Total commercial3475—9—2512—5240.68
Residential mortgages——43——33—15910.25
Home equity——6—51—2140.07
Education2———————20.03

First 8 of 11 rows. The download has all of them.

Table 59 after “The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during”

Three Months Ended September 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotalTotal as a % of Loan Class(1)
Commercial and industrial$1$151$—$2$—$1$1550.33%
Commercial real estate—38822—102—5122.00
Total commercial153922210216670.92
Residential mortgages11865—1310.09
Home equity2163——120.07
Education3—————30.04

First 8 of 11 rows. The download has all of them.

Table 60 after “Citizens Financial Group, Inc. | 58”

Nine Months Ended September 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionInterest Rate Reduction and Payment DelayTerm Extension and Payment DelayTerm Extension and Principal ForgivenessInterest Rate Reduction, Term Extension, and Payment DelayTotalTotal as a % of Loan Class(1)
Commercial and industrial$5$273$—$11$1$20$12$—$3220.60%
Commercial real estate—64020——39—487473.20
Total commercial5913201115912481,0691.38
Residential mortgages—16804143—251690.46
Home equity1—13471—2280.13
Education6———————60.08

First 8 of 11 rows. The download has all of them.

Table 61 after “Citizens Financial Group, Inc. | 58”

Nine Months Ended September 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotalTotal as a % of Loan Class(1)
Commercial and industrial$16$322$2$5$1$4$3500.75%
Commercial real estate287076629103—9333.65
Total commercial441,029683410441,2831.77
Residential mortgages34213912700.20
Home equity51115——220.12
Education8—————80.09

First 8 of 11 rows. The download has all of them.

Table 62 after “The following tables present the financial effect of loans to borrowers experiencing financial difficulty that were modified during the thre”

Three Months Ended September 30, 2026
(dollars in millions)Weighted-Average Interest Rate Reduction(1)Weighted-Average Term Extension (in Months)(1)Weighted-Average Payment Deferral(1)Amount of Principal Forgiven(2)
Commercial and industrial2.13%40$—$—
Commercial real estate—41—
Residential mortgages0.53121——
Home equity2.95110——
Education4.70———
Other retail18.89——3

Table 63 after “Citizens Financial Group, Inc. | 59”

Three Months Ended September 30, 2025
(dollars in millions)Weighted-Average Interest Rate Reduction(1)Weighted-Average Term Extension (in Months)(1)Weighted-Average Payment Deferral(1)Amount of Principal Forgiven(2)
Commercial and industrial2.18%20$—$—
Commercial real estate—125—
Residential mortgages1.40107——
Home equity3.01143——
Education5.22———
Other retail19.89——6

Table 64 after “Citizens Financial Group, Inc. | 59”

Nine Months Ended September 30, 2026
(dollars in millions)Weighted-Average Interest Rate Reduction(1)Weighted-Average Term Extension (in Months)(1)Weighted-Average Payment Deferral(1)Amount of Principal Forgiven(2)
Commercial and industrial2.20%28$2$—
Commercial real estate0.8492—
Residential mortgages0.59114——
Home equity3.03168——
Education4.69———
Other retail18.92——11

Table 65 after “Citizens Financial Group, Inc. | 59”

Nine Months Ended September 30, 2025
(dollars in millions)Weighted-Average Interest Rate Reduction(1)Weighted-Average Term Extension (in Months)(1)Weighted-Average Payment Deferral(1)Amount of Principal Forgiven(2)
Commercial and industrial1.52%18$—$—
Commercial real estate0.83125—
Residential mortgages1.27110——
Home equity3.41121——
Education4.71———
Other retail19.86——12

Table 66 after “The following tables present an aging analysis of the period-end amortized cost of loans to borrowers experiencing financial difficulty that”

September 30, 2026
Days Past Due and Accruing
(dollars in millions)Current30-5960-8990+NonaccrualTotal
Commercial and industrial$296$—$1$1$65$363
Commercial real estate6681144—142928
Total commercial964114512071,291
Residential mortgages951073948199
Home equity10———2939

First 8 of 12 rows. The download has all of them.

Table 67 after “Citizens Financial Group, Inc. | 60”

September 30, 2025
Days Past Due and Accruing
(dollars in millions)Current30-5960-8990+NonaccrualTotal
Commercial and industrial$348$1$—$35$61$445
Commercial real estate73383242931,115
Total commercial1,081842393541,560
Residential mortgages4976161997
Home equity8———2230

First 8 of 12 rows. The download has all of them.

Table 68 after “The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that defaulted during the”

Three Months Ended September 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotal
Commercial and industrial$—$21$—$—$1$22
Commercial real estate—12———12
Total commercial—33——134
Residential mortgages—23229
Home equity——————
Education1————1

First 8 of 11 rows. The download has all of them.

Table 69 after “The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that defaulted during the”

Three Months Ended September 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTotal
Commercial and industrial$—$36$—$—$36
Commercial real estate—4——4
Total commercial—40——40
Residential mortgages184316
Home equity—————
Education1———1

First 8 of 11 rows. The download has all of them.

Table 70 after “Citizens Financial Group, Inc. | 61”

Nine Months Ended September 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotal
Commercial and industrial$—$25$—$—$1$—$26
Commercial real estate—95————95
Total commercial—120——1—121
Residential mortgages—11443123
Home equity———————
Education2—————2

First 8 of 11 rows. The download has all of them.

Table 71 after “Citizens Financial Group, Inc. | 61”

Nine Months Ended September 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotal
Commercial and industrial$—$48$—$—$—$48
Commercial real estate—722——74
Total commercial—1202——122
Residential mortgages12056133
Home equity1—11—3
Education1————1

First 8 of 11 rows. The download has all of them.

Table 72 after “The following table summarizes activity related to residential mortgage loans sold with servicing rights retained:”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Cash proceeds from residential mortgage loans sold with servicing retained$2,325$2,528$7,390$6,920
Gain on sales(1)12195156
Contractually specified servicing, late, and other ancillary fees(1)7070209209

Table 73 after “The following table summarizes changes in MSRs recorded using the fair value method:”

As of and for the Three Months Ended September 30,As of and for the Nine Months Ended September 30,
(dollars in millions)2026202520262025
Fair value as of beginning of the period$1,482$1,426$1,455$1,491
Amounts capitalized4642142117
Sales(1)———(72)
Changes in unpaid principal balance(2)(33)(41)(118)(120)
Changes in fair value(3)107312314
Fair value at end of the period$1,602$1,430$1,602$1,430

Table 74 after “% adverse change in key economic assumptions to the current fair value of MSRs. These sensitivities are hypothetical, with the effect of a v”

(dollars in millions)September 30, 2026December 31, 2025
Fair value$1,602$1,455
Weighted average life (years)8.98.0
Weighted average constant prepayment rate5.6%7.0%
Decline in fair value from 10% adverse change$34$38
Decline in fair value from 20% adverse change$66$73
Weighted average option adjusted spread550 bps588 bps
Decline in fair value from 10% adverse change$41$40

First 8 of 9 rows. The download has all of them.

Table 75 after “The following table presents the unpaid principal balance of other serviced loans:”

(dollars in millions)September 30, 2026December 31, 2025
Education$283$341
Commercial and industrial(1)7784

Table 76 after “The following table summarizes the carrying amount of assets and liabilities for the Company’s consolidated VIEs:”

(dollars in millions)September 30, 2026December 31, 2025
Assets:
Interest-bearing deposits in banks$102$157
Net loans and leases9611,929
Other assets711
Total assets$1,070$2,097
Liabilities:
Long-term borrowed funds$660$1,598

First 8 of 10 rows. The download has all of them.

Table 77 after “The following table provides a summary of the assets and liabilities included in the Consolidated Balance Sheets related to unconsolidated V”

(dollars in millions)September 30, 2026December 31, 2025
Lending to SPEs included in Loans and leases$6,760$5,631
Tax-advantaged investments included in Other assets(1)3,0442,967
Unfunded commitments for tax-advantaged investments included in Other liabilities(1)1,0161,066
Asset-backed investments included in Debt securities9541,118
Other investments included in Other assets1817
Unfunded commitments for other investments included in Other liabilities22

Table 78 after “The following table summarizes the impact to the Consolidated Statements of Operations relative to the Company’s tax credit programs for whi”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Tax credits recognized$115$99$341$309
Other tax benefits recognized25247673
Amortization(109)(98)(328)(304)
Net benefit (expense) included in Income tax expense31258978
Other income1145
Allocated income (loss) on investments(4)(3)(12)(10)

First 8 of 10 rows. The download has all of them.

Table 79 after “Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following:”

(dollars in millions)September 30, 2026December 31, 2025
Other short-term borrowed funds(1)$819$58
Total short-term borrowed funds$819$58

Table 80 after “The following table presents a summary of the Company’s long-term borrowed funds:”

(dollars in millions)September 30, 2026December 31, 2025
Parent Company:
2.850% fixed-rate senior unsecured notes, due July 2026$—$500
5.841% fixed/floating-rate senior unsecured notes, due January 20301,2471,246
2.500% fixed-rate senior unsecured notes, due February 2030299299
3.250% fixed-rate senior unsecured notes, due April 2030748747
3.750% fixed-rate reset subordinated debt, due February 2031(1)—69
4.300% fixed-rate reset subordinated debt, due February 2031(1)—135

First 8 of 24 rows. The download has all of them.

Table 81 after “The following table presents derivative assets and liabilities included in the Consolidated Balance Sheets:”

September 30, 2026December 31, 2025
(dollars in millions)Notional AmountDerivative AssetsDerivative LiabilitiesNotional AmountDerivative AssetsDerivative Liabilities
Derivatives designated as hedging instruments:
Interest rate contracts$59,211$134$6$67,358$366$25
Derivatives not designated as hedging instruments:
Interest rate contracts193,146149931180,977187446
Foreign exchange contracts39,31751834240,401510373
Commodities contracts13,86995186710,974458405

First 8 of 15 rows. The download has all of them.

Table 82 after “The following table presents the effect of fair value hedges on the Consolidated Statements of Operations and the respective line items affe”

Location and Amount of Gains (Losses) Recognized
Interest IncomeInterest Expense
(dollars in millions)Investment SecuritiesLong-Term Borrowed Funds
Three Months Ended September 30, 2026
Gains (losses) on fair value hedges recognized on:
Hedged items($128)$9
Derivatives130(9)
Amounts related to interest settlements on derivatives(1)—

First 8 of 27 rows. The download has all of them.

Table 83 after “The following table reflects amounts recorded in the Consolidated Balance Sheets related to cumulative basis adjustments for fair value hedg”

September 30, 2026December 31, 2025
(dollars in millions)Debt securities available for sale(1)Long-term borrowed fundsDebt securities available for sale(1)Long-term borrowed funds
Carrying amount of hedged assets(2)$5,725$—$8,009$—
Carrying amount of hedged liabilities—738——
Cumulative amount of fair value hedging adjustments included in the carrying amount of the hedged items(157)(9)48—

Table 84 after “The following table presents the pretax net gains (losses) recorded in the Consolidated Statements of Operations and in the Consolidated Sta”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Pretax net gains (losses) recognized in OCI($505)($21)($920)$376
Pretax net gains (losses) reclassified from AOCI into interest income(58)(193)(244)(591)
Pretax net gains (losses) reclassified from AOCI into noninterest income—(4)—(5)
Pretax net gains (losses) reclassified from AOCI into interest expense———(1)

Table 85 after “The following table presents the effect of economic hedges on noninterest income:”

Amounts Recognized in Noninterest Income for the
Three Months Ended September 30,Nine Months Ended September 30,Affected Line Item in the Consolidated Statements of Operations
(dollars in millions)2026202520262025
Economic hedge type:
Customer interest rate contracts($453)($17)($693)$218Foreign exchange and derivative products
Derivatives hedging interest rate risk46229724(190)Foreign exchange and derivative products
Customer foreign exchange contracts(23)(72)(174)345Foreign exchange and derivative products
Derivatives hedging foreign exchange risk47107253(423)Foreign exchange and derivative products

First 8 of 15 rows. The download has all of them.

Table 86 after “The following table summarizes the components of the Company’s OCI:”

(dollars in millions)PretaxTax EffectAfter-tax
Three Months Ended September 30, 2026
Net unrealized gains (losses) on cash flow hedges arising during the period($505)$134($371)
Reclassification of net (gains) losses on cash flow hedges to earnings58(15)43
Net unrealized gains (losses) on cash flow hedges(447)119(328)
Net unrealized gains (losses) on AFS securities arising during the period(1,496)380(1,116)
Reclassification of net (gains) losses on investment securities to earnings28(7)21
Net unrealized gains (losses) on investment securities(1,468)373(1,095)

First 8 of 45 rows. The download has all of them.

Table 87 after “The following table summarizes the activity in each component of AOCI, net of income taxes:”

(dollars in millions)Net Unrealized Gains (Losses) on Cash Flow HedgesNet Unrealized Gains (Losses) on Investment SecuritiesDefined Benefit PlansTotal AOCI
Three Months Ended September 30, 2026
Balance at July 1, 2026($286)($1,731)($244)($2,261)
Other comprehensive income (loss) before reclassifications(371)(1,116)—(1,487)
Amounts reclassified from AOCI to earnings4321266
Total other comprehensive income (loss)(328)(1,095)2(1,421)
Balance at September 30, 2026($614)($2,826)($242)($3,682)
Three Months Ended September 30, 2025

First 8 of 26 rows. The download has all of them.

Table 88 after “The following table summarizes the Company’s preferred stock:”

September 30, 2026December 31, 2025
(dollars in millions, except per share data)Liquidation value per sharePreferred SharesCarrying AmountPreferred SharesCarrying Amount
Authorized ($25 par value per share)100,000,000100,000,000
Issued and outstanding:
Series B$1,000300,000$296300,000$296
Series C1,000300,000297300,000297
Series E1,000(1)450,000(2)437450,000437
Series G1,000——300,000296

First 8 of 12 rows. The download has all of them.

Table 89 after “The following tables summarize the Company’s common and preferred stock dividend activity:”

Three Months Ended September 30, 2026Three Months Ended September 30, 2025
(dollars in millions, except per share data)Dividends Declared per ShareDividends DeclaredDividends PaidDividends Declared per ShareDividends DeclaredDividends Paid
Common stock$0.46$197$197$0.42$184$184
Preferred stock
Series B$17.93$6$6$19.07$5$5
Series C18.325519.4656
Series E12.506612.5066
Series F———14.1366

First 8 of 12 rows. The download has all of them.

Table 90 after “The following tables summarize the Company’s common and preferred stock dividend activity:”

Nine Months Ended September 30, 2026Nine Months Ended September 30, 2025
(dollars in millions, except per share data)Dividends Declared per ShareDividends DeclaredDividends PaidDividends Declared per ShareDividends DeclaredDividends Paid
Common stock$1.38$593$593$1.26$555$555
Preferred stock
Series B$52.76$16$16$57.26$17$17
Series C53.93161658.431718
Series E37.50171737.501717
Series F———42.381717

First 8 of 12 rows. The download has all of them.

Table 91 after “A summary of outstanding off-balance sheet arrangements is presented below. For more information on these arrangements, see Note 17 in the C”

(dollars in millions)September 30, 2026December 31, 2025
Commitments to extend credit$110,480$105,880
Letters of credit2,7301,902
Loans sold with recourse7885
Risk participation agreements2037
Other commitments711
Total$113,315$107,915

Table 92 after “The following table presents the difference between the aggregate fair value and the aggregate unpaid principal balance of LHFS measured at ”

September 30, 2026December 31, 2025
(dollars in millions)Aggregate Fair ValueAggregate Unpaid PrincipalAggregate Fair Value Greater (Less) Than Aggregate Unpaid PrincipalAggregate Fair ValueAggregate Unpaid PrincipalAggregate Fair Value Greater (Less) Than Aggregate Unpaid Principal
Residential mortgage loans held for sale$515$524($9)$895$872$23
Commercial loans held for sale141146(5)170185(15)

Table 93 after “The following table presents assets and liabilities measured at fair value, including gross derivative assets and liabilities, on a recurrin”

(dollars in millions)TotalLevel 1Level 2Level 3
Debt securities available for sale:
Mortgage-backed securities$31,416$—$31,416$—
Collateralized loan obligations40—40—
State and political subdivisions1—1—
U.S. Treasury and other4,5734,573——
Total debt securities available for sale36,0304,57331,457—
Loans held for sale:

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Table 94 after “The following table presents assets and liabilities measured at fair value, including gross derivative assets and liabilities, on a recurrin”

(dollars in millions)TotalLevel 1Level 2Level 3
Debt securities available for sale:
Mortgage-backed securities$32,484$—$32,484$—
Collateralized loan obligations89—89—
State and political subdivisions1—1—
U.S. Treasury and other3,1233,123——
Total debt securities available for sale35,6973,12332,574—
Loans held for sale:

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Table 95 after “The following tables present a roll forward of the balance sheet amounts for assets and liabilities measured at fair value on a recurring ba”

Three Months Ended September 30, 2026Nine Months Ended September 30, 2026
(dollars in millions)Mortgage Servicing RightsOther Derivative ContractsMortgage Servicing RightsOther Derivative Contracts
Beginning balance$1,482$7$1,455$5
Issuances46914242
Settlements(2)(33)6(118)(12)
Changes in fair value recognized in earnings(3)107(30)123(43)
Ending balance$1,602($8)$1,602($8)

Table 96 after “The following tables present a roll forward of the balance sheet amounts for assets and liabilities measured at fair value on a recurring ba”

Three Months Ended September 30, 2025Nine Months Ended September 30, 2025
(dollars in millions)Mortgage Servicing RightsOther Derivative ContractsMortgage Servicing RightsOther Derivative Contracts
Beginning balance$1,426$15$1,491$1
Issuances422111755
Sales(1)——(72)—
Settlements(2)(41)(33)(120)(60)
Changes in fair value recognized in earnings(3)31148
Ending balance$1,430$4$1,430$4

Table 97 after “The following table presents quantitative information about significant unobservable inputs utilized to measure the fair value of Level 3 as”

September 30, 2026December 31, 2025
Financial Instrument(1)Valuation TechniqueUnobservable InputRange (Weighted Average)Range (Weighted Average)
Mortgage servicing rightsDiscounted Cash FlowConstant prepayment rate5-14% CPR (6% CPR)6-15% CPR (7% CPR)
Option adjusted spread398-1,002 bps (550 bps)398-1,038 bps (588 bps)
Other derivative contractsInternal ModelPull through rate8-100% (86%)8-100% (85%)
MSR value35-177 bps (132 bps)25-177 bps (134 bps)

Table 98 after “The following table presents losses recorded in earnings on assets measured at fair value on a nonrecurring basis, regardless of whether the”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Collateral-dependent loans($9)($39)($59)($124)

Table 99 after “The following table presents the carrying amount and fair value hierarchy of assets that were held as of the period end indicated and for wh”

September 30, 2026December 31, 2025
(dollars in millions)TotalLevel 1Level 2Level 3TotalLevel 1Level 2Level 3
Collateral-dependent loans$115$—$37$78$135$—$24$111

Table 100 after “The following tables present the estimated fair value for financial instruments not recorded at fair value in the Consolidated Financial Sta”

September 30, 2026
TotalLevel 1Level 2Level 3
(dollars in millions)Carrying ValueEstimated Fair ValueCarrying ValueEstimated Fair ValueCarrying ValueEstimated Fair ValueCarrying ValueEstimated Fair Value
Financial assets(1):
Debt securities held to maturity$8,298$7,052$—$—$8,024$6,780$274$272
Loans held for sale228228————228228
Net loans and leases146,322145,922——481481145,841145,441
Other assets1,0671,067——1,0211,0214646

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Table 101 after “The following tables present the estimated fair value for financial instruments not recorded at fair value in the Consolidated Financial Sta”

December 31, 2025
TotalLevel 1Level 2Level 3
(dollars in millions)Carrying ValueEstimated Fair ValueCarrying ValueEstimated Fair ValueCarrying ValueEstimated Fair ValueCarrying ValueEstimated Fair Value
Financial assets(1):
Debt securities held to maturity$7,933$7,150$—$—$7,595$6,812$338$338
Loans held for sale133133————133133
Net loans and leases140,749140,131——437437140,312139,694
Other assets807807——7687683939

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Table 102 after “The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggre”

Three Months Ended September 30, 2026
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Service charges and fees$83$36$—$119
Capital markets fees—142—142
Wealth fees109——109
Card fees7313—86
Other banking fees15—6
Total revenue from contracts with customers$266$196$—$462

First 8 of 10 rows. The download has all of them.

Table 103 after “The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggre”

Three Months Ended September 30, 2025
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Service charges and fees$78$33$—$111
Capital markets fees—158—158
Wealth fees93——93
Card fees7312—85
Other banking fees14—5
Total revenue from contracts with customers$245$207$—$452

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Table 104 after “The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggre”

Nine Months Ended September 30, 2026
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Service charges and fees$238$110$—$348
Capital markets fees—406—406
Wealth fees311——311
Card fees211374252
Other banking fees29—11
Total revenue from contracts with customers$762$562$4$1,328

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Table 105 after “The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggre”

Nine Months Ended September 30, 2025
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Service charges and fees$229$101$—$330
Capital markets fees—348—348
Wealth fees262——262
Card fees21438—252
Other banking fees28—10
Total revenue from contracts with customers$707$495$—$1,202

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Table 106 after “The following table presents the details of Other operating expense:”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions)2026202520262025
Marketing$47$44$131$129
Deposit insurance3432102108
Other7990246254
Other operating expense$160$166$479$491

Table 107 after “The following table presents the calculation of basic and diluted EPS:”

Three Months Ended September 30,Nine Months Ended September 30,
(dollars in millions, except per share data)2026202520262025
Numerator (basic and diluted):
Net income$636$494$1,740$1,303
Less: Preferred stock dividends33329999
Less: Impact of preferred stock redemption4545
Net income available to common stockholders$599$457$1,637$1,199
Denominator:

First 8 of 14 rows. The download has all of them.

Table 108 after “The following tables present certain financial data of the Company’s business segments:”

Three Months Ended September 30, 2026
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Net interest income$1,393$481($199)$1,675
Noninterest income31728545647
Total revenue1,710766(154)2,322
Direct expenses(1)(2)7172294471,393
Indirect expenses(3)298104(402)—
Noninterest expense1,015333451,393

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Table 109 after “Represents allocated corporate overhead from support functions such as information technology, finance, risk, and human resources.”

Three Months Ended September 30, 2025
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Net interest income$1,262$448($222)$1,488
Noninterest income31128633630
Total revenue1,573734(189)2,118
Direct expenses(1)(2)6922234201,335
Indirect expenses(3)287110(397)—
Noninterest expense979333231,335

First 8 of 14 rows. The download has all of them.

Table 110 after “Citizens Financial Group, Inc. | 83”

Nine Months Ended September 30, 2026
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Net interest income$4,050$1,404($586)$4,868
Noninterest income9308401351,905
Total revenue4,9802,244(451)6,773
Direct expenses(1)(2)2,1666791,3204,165
Indirect expenses(3)893314(1,207)—
Noninterest expense3,0599931134,165

First 8 of 14 rows. The download has all of them.

Table 111 after “Represents allocated corporate overhead from support functions such as information technology, finance, risk, and human resources.”

Nine Months Ended September 30, 2025
(dollars in millions)Consumer BankingCommercial BankingOtherConsolidated
Net interest income$3,673$1,328($685)$4,316
Noninterest income9377331041,774
Total revenue4,6102,061(581)6,090
Direct expenses(1)(2)2,0406601,2683,968
Indirect expenses(3)856317(1,173)—
Noninterest expense2,896977953,968

First 8 of 14 rows. The download has all of them.

Table 112 after “Details of the repurchases of the Company’s common stock during the three months ended September 30, 2026 are included below:”

PeriodTotal Number of Shares RepurchasedAverage Price Paid Per ShareTotal Number of Shares Purchased as Part of Publicly Announced Plans or Programs(1)Maximum Dollar Amount of Shares That May Yet Be Purchased as Part of Publicly Announced Plans or Programs(1)
July 1, 2026 - July 31, 20261,503,680$70.761,503,680$668,592,208
August 1, 2026 - August 31, 2026—$——$668,592,208
September 1, 2026 - September 30, 2026262,732$70.76262,732$650,000,000

Table 113 after “ITEM 6. EXHIBITS”

Exhibit NumberDescription
3.1Restated Certificate of Incorporation of the Registrant as in effect on the date hereof, as filed with the Secretary of State of the State of Delaware and effective October 6, 2025 (incorporated herein by reference to Exhibit 3.2 of the Current Report on Form 8-K, filed October 6, 2025)
3.2Certificate of Designations of the Registrant with respect to the Series J Preferred Stock, dated July 27, 2026, filed with the Secretary of State of the State of Delaware and effective July 27, 2026 (incorporated herein by reference to Exhibit 3.1 of the Current Report on Form 8-K, filed July 31, 2026)
3.3Certification of Elimination relating to the Series G Preferred Stock, filed with the Secretary of State of the State of Delaware and effective October 6, 2026 (incorporated herein by reference to Exhibit 3.1 of the Current Report on Form 8-K, filed October 8, 2026)
3.4Amended and Restated Bylaws of the Registrant (as amended and restated on February 16, 2023) (incorporated herein by reference to Exhibit 3.2 of the Annual Report on Form 10-K, filed February 17, 2023)
31.1Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*
31.2Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*
32.1Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002*

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