CFGCitizens Financial Group
Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. 10-K, Item 1
- Employees
- 17,398
- Headquarters
- Providence, RI
- CEO
- Saun Bruce Van
- Next results
- around Jan 20, 2027
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
3.2% 10-Q filed 2026-10-28What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest income of $1.7 billion and $4.9 billion for the three and nine months ended September 30, 2026, respectively, increased $187 million and $552 million, and net interest margin of 3.18% and 3.16%, respectively, increased 19 basis points and 22 basis points, compared to the same periods in 2025.”
Read it in the filing ↗
Efficiency ratio
64.4% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 61.4% | 61.0% | 67.0% | 67.0% | 64.4% |
XBRL: NoninterestExpense, 0000759944-26-000028; InterestIncomeExpenseNet, 0000759944-26-000028; NoninterestIncome, 0000759944-26-000028
Loans to deposits
76.8% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 81.9% | 85.6% | 81.1% | 78.5% | 76.8% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0000759944-26-000213; Deposits, 0000759944-26-000213
Return on tangible common equity
11.4% 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 |
|---|---|---|---|---|
| 16.2% | 15.4% | 11.4% | 10.8% | 11.4% |
XBRL: NetIncomeLoss, 0000759944-26-000028; StockholdersEquity, 0000759944-26-000213; PreferredStockValue, 0000759944-26-000213; Goodwill, 0000759944-26-000213
Net interest income
$5.9B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $4.5B | $6.0B | $6.2B | $5.6B | $5.9B |
XBRL: InterestIncomeExpenseNet, 0000759944-26-000028
Work on CFG 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/CFG/export.csv") into a cell.