--- title: Citizens Bank, National Association url: https://lender.report/lender/citizens-bank-ri/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 57957, rssd: 3303298, ncua: null, lei: DRMSV1Q0EKMEXLAU1P80} --- # Citizens Bank, National Association > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Citizens Bank, National Association, https://lender.report/lender/citizens-bank-ri/, data as of June 30, 2026. Bank, Providence, RI. Regulator: Office of the Comptroller of the Currency. Identifiers: FDIC certificate 57957; RSSD 3303298; LEI DRMSV1Q0EKMEXLAU1P80. ## Facts, each with its source and date - Reported $232.5B in total assets as of June 30, 2026 (FDIC call report). - Held $55B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $28B of commercial and industrial loans as of June 30, 2026, up 8.4% from a year earlier (FDIC call report). - Held $10.2B of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $8B of multifamily loans as of June 30, 2026, up 3.6% from a year earlier (FDIC call report). - Originated 222 multifamily loans totaling $833.2M in 2025 (HMDA). - Originated 66 multifamily loans totaling $264.3M in 2024 (HMDA). - Originated 650 1-4 unit investor or business-purpose loans totaling $354.6M in 2025 (HMDA). - Recorded 243 SBA 7(a) approvals totaling $152.2M from October 1, 2023 to September 30, 2026, of which 57 were later cancelled (SBA). - Provided the first lien on 12 SBA 504 projects with $18.7M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA). - Estimated legal lending limit of about $3.4B (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 982 offices in 17 states (FDIC). - Reported making 17,880 small business loans totaling $607.4M in 2024, in its Community Reinvestment Act filing (FFIEC); 6.75% were over $100,000 and the average was $33,970. - Citizens Financial Group Inc reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $16.5B of loans originated in fiscal 2026 (SEC filing). - Held 44,569 commercial and industrial loans that were $1 million or less when made, with a balance of $1.3B as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 1,540 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $456.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $580.1M for 1-4 family and $3.4B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. - Named as the lender on 184 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $616.8M (NYC Department of Finance, ACRIS). ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $8.04B | 5.38% | +3.6% | | Construction and land development | $4.75B | 3.18% | -26.3% | | Owner-occupied CRE | $4.00B | 2.68% | +2.2% | | Non-owner-occupied CRE | $10.2B | 6.81% | -7.4% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $28.0B | 18.79% | +8.4% | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 222 | $833M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 66 | $264M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 650 | $355M | CFPB HMDA | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 186 | $121M | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 11 | $16.3M | SBA FOIA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | Sep 2026 | Florida | SBA 7(a), Other Activities Related to Real Estate | $5.00M | 8% | 120 | SBA FOIA | | Sep 2026 | Pennsylvania | SBA 7(a), Power and Communication Line and Related Structures Construction | $520K | 7.75% | 120 | SBA FOIA | | Sep 2026 | Massachusetts | SBA 7(a), Computer Systems Design Services | $250K | 10% | 120 | SBA FOIA | | Sep 2026 | Pennsylvania | SBA 7(a), Power and Communication Line and Related Structures Construction | $250K | 9.75% | 120 | SBA FOIA | | Aug 2026 | Michigan | SBA 7(a), Meat Retailers | $1.60M | 7.25% | 300 | SBA FOIA | | Aug 2026 | California | SBA 7(a), Fine Arts Schools | $1.40M | 8% | 120 | SBA FOIA | | Aug 2026 | Michigan | SBA 7(a), Meat Retailers | $250K | 9% | 120 | SBA FOIA | | Aug 2026 | Michigan | SBA 7(a), Meat Retailers | $220K | 7.25% | 120 | SBA FOIA | | Aug 2026 | California | SBA 7(a), Fine Arts Schools | $100K | 8% | 120 | SBA FOIA | | Aug 2026 | Pennsylvania | SBA 7(a), Landscaping Services | $75.0K | 9.75% | 120 | SBA FOIA | ## Where it lends 982 offices in 17 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $3.43B | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 64.19% | Total loans divided by total assets | | Loans to deposits | 79.08% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.citizensbank.com (from the regulator record or the lender's own site) - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/57957 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/citizens-bank-ri/ License: https://lender.report/license/