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Citizens Financial Group Balance Sheet Statement

Assets, liabilities, and shareholders' equity

Citizens Financial Group holds $227.92B in total assets. Shareholders' equity is $26.2B against $12.4B in total debt. Cash and equivalents total $12.3B. Based on the Q1 2026 filing.

Total Assets$227.92BTotal Stockholders Equity$26.2BLong Term Debt$12.3BCash And Equivalents$12.3B
Latest FilingQ1 2026
Report Date2026-05-04
Market Cap$25.9B
P/E Ratio13.10
ROE7.74%

Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Accrued interest$816.0M$817.0M$835.0M$857.0M$825.0M$832.0M
Other short-term debt$0.0$47.0M$249.0M$214.0M$58.0M$54.0M
Current portion of long-term debt$0.0$47.0M$249.0M$214.0M$58.0M$54.0M
Derivative Liabilities - Fair Value$391.0M$411.0M$505.0M$379.0M$342.0M$498.0M
Deposits$174.8B$177.6B$175.1B$180.0B$183.3B$184.0B
Noninterest-bearing deposits$36.9B$37.6B$38.0B$39.5B$40.4B$41.7B
Derivative liabilities$391.0M$411.0M$505.0M$379.0M$342.0M$498.0M
Short-term borrowings$0.0$47.0M$249.0M$214.0M$58.0M$54.0M

Equity

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Additional paid-in capital$22.4B$22.4B$22.4B$22.4B$22.5B$22.5B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss$2.0B$1.7B$1.6B$1.4B$1.3B$1.3B
Accumulated other comprehensive income (loss)-$3.6B-$2.9B-$2.6B-$2.3B-$2.0B-$2.1B
Common stock7M1B1B1B7M1B
Common Stock Par Value Per Share$0.01$0.01$0.01$0.01$0.01$0.01
Common Stock Shares Issued650.1M651.7M651.9M652.1M652.2M653.8M
Convertible Preferred Stock Authorized Shares100M100M100M100M100M100M
Convertible Preferred Stock Issued Shares2.2M2.2M2.2M2.2M2.2M2.2M
Convertible Preferred Stock Outstanding Shares2.2M2.2M2.2M2.2M2.2M2.2M
Cumulative Gross Losses and Impairments$1.1B$954.0M$914.0M$830.0M$785.0M$803.0M
Cumulative Gross Unrealized Gains$1.0M$0.0$0.0$1.0M$2.0M$1.0M
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding$2.1B$2.1B$2.1B$2.1B$2.1B$2.1B
Investments - Gross Unrealized Losses$26.7B$23.8B$24.2B$20.9B$18.8B$24.7B
Preferred stock$2.1B$2.1B$2.1B$2.1B$2.1B$2.1B
Preferred Stock Par Value Per Share$25.00$25.00$25.00$25.00$25.00$25.00
Retained earnings$10.4B$10.6B$10.8B$11.1B$11.3B$11.6B
Total liabilities and stockholders' equity$217.5B$220.1B$218.3B$222.7B$226.4B$227.9B
Total stockholders' equity$24.3B$24.9B$25.2B$25.8B$26.3B$26.2B
Treasury stock$7.0B$7.2B$7.5B$7.5B$7.7B$8.0B

Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)—$0.0$70.0M$100.0M—$708.0M
Available-for-Sale Debt Securities - Amortized Cost (<1 Year)—$0.0$70.0M$100.0M—$708.0M
Available-for-Sale Debt Securities - Fair Value by Maturity—$34.2B$34.7B$35.4B—$36.4B
Available-for-Sale Debt Securities - Fair Value (Maturing Within 1 Year)—$0.0$0.0$0.0—$0.0
Available-for-Sale Debt Securities - Single Maturity Date—$34.2B$34.7B$35.4B—$36.4B
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)$17.1B$16.9B$16.5B$16.1B$15.4B$14.5B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)$17.1B$16.9B$16.5B$16.1B$15.4B$14.5B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value$9.6B$6.8B$7.7B$4.8B$3.4B$10.1B
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)$9.6B$6.8B$7.7B$4.8B$3.4B$10.1B
Available-for-Sale Debt Securities - Unrealized Loss Position$2.3B$1.9B$1.8B$1.6B$1.4B$1.5B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value$17.1B$16.9B$16.5B$16.1B$15.4B$14.5B
AFS and Trading Securities - Unrealized Loss Position Fair Value$26.7B$23.8B$24.2B$20.9B$18.8B$24.7B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value$9.6B$6.8B$7.7B$4.8B$3.4B$10.1B
Cash and cash equivalents$10.6B$11.5B$8.5B$11.7B$12.7B$12.3B
Cash, Cash Equivalents, and Marketable Securities$26.7B$23.8B$24.2B$20.9B$18.8B$24.7B
Current Equity Amortized Cost$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Derivative Assets - Fair Value$1.5B$1.5B$1.6B$1.5B$1.5B$1.7B
Equity Securities (FV-NI) - Cost Basis$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Derivative assets$408.0M$760.0M$832.0M$721.0M$342.0M$498.0M
Interest-bearing deposits in banks and other financial institutions$635.0M$685.0M$680.0M$694.0M$961.0M$830.0M
Trading assets—$0.0$70.0M$99.0M—$702.0M
Held-to-Maturity Debt Securities - Maturing Within One Year—$0.0$0.0$0.0—$0.0
Loans held for sale$858.0M$2.8B$2.1B$1.3B$1.2B$1.5B
Net Derivative Assets/(Liabilities) After Master Netting$1.2B$883.0M$766.0M$738.0M$779.0M$814.0M

Other

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Aggregate Notional Principal Outstanding$279.5B$278.3B$299.3B$305.5B$303.7B$308.2B
Nonperforming Loans and Leases Percentage$398.0M$398.0M$438.0M$412.0M$496.0M$428.0M
Cumulative Cost Basis$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Derivative Notional Amount$279.5B$278.3B$299.3B$305.5B$303.7B$308.2B
Fair Value Measurement Disclosure$1.7B$1.7B$1.6B$1.3B$1.3B$1.5B
Gross Assets/Liabilities$1.2B$883.0M$766.0M$738.0M$1.3B$1.5B
Hedged Asset Fair Value Hedge Basis Adjustment$75.0M$2.0M-$29.0M-$37.0M-$17.0M$4.0M
Hedged Asset (Statement of Financial Position)$75.0M$2.0M-$29.0M-$37.0M-$17.0M$4.0M
Interest Rate Hedge Reclassification (Next 12 Months)—-$612.0M-$546.0M-$396.0M—-$188.0M
Available-For-Sale Securities And Held-To-Maturity Securities, Debt Maturities, After One Through Five Years, Amortized Cost—$5.8B$5.9B$6.0B—$4.6B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10—$26.7B$26.8B$27.4B—$28.2B
After 5 Years through&#160;10&#160;Years—$2.2B$2.4B$2.4B—$3.3B
After&#160;1&#160;Year through&#160;5&#160;Years—$5.3B$5.4B$5.5B—$4.2B
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Amortized Cost—$36.0B$36.3B$36.8B—$37.7B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One—$0.0$70.0M$99.0M—$702.0M
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, After One Through Five Years,—$5.6B$5.7B$5.9B—$4.5B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, Fair Value—$41.7B$42.0B$42.7B—$43.4B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, Amortized Cost—$44.5B$44.6B$44.9B—$45.5B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, After Five Through Ten Years, Fair Value—$2.2B$2.4B$2.4B—$3.3B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, After Ten Years, Fair Value—$33.9B$33.8B$34.3B—$34.8B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, After Ten Years, Amortized Cost—$36.4B$36.2B$36.4B—$36.9B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, Maturity Within One Year, Fair Value—$0.0$70.0M$99.0M—$702.0M
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, After Five Through Ten Years, Amortized Cost—$2.3B$2.4B$2.4B—$3.4B
Available-for-sale Securities and Held-to-maturity Securities, Debt Maturities, Within One Year, Amortized Cost—$0.0$70.0M$100.0M—$708.0M
Cash-related financial instruments not recorded at fair value in the consolidated balance sheet$11.2B——$12.3B$13.6B$13.1B
Common stock, par value (in dollars per share)$0.0$0.0$0.0$0.0$0.0$0.0
Common stock, shares authorized (in shares)$1.0B$1.0B$1.0B$1.0B$1.0B$1.0B
Common stock, shares issued (in shares)$650.1M$651.7M$651.9M$652.1M$652.2M$653.8M
Common Stock, Shares, Outstanding$440.5M$437.7M$432.8M$431.5M$429.2M$426.0M
Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net$85.0M$84.0M$78.0M$75.0M$71.0M$70.0M
Unused borrowing capacity—$77.4B$75.7B$78.0B—$80.7B
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss$2.0B$1.7B$1.6B$1.4B$1.3B$1.3B
Less than 12 months$9.6B$6.8B$7.7B$4.8B$3.4B$10.1B
12 months or more$17.1B$16.9B$16.5B$16.1B$15.4B$14.5B
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss$265.0M$189.0M$213.0M$171.0M$164.0M$253.0M
Estimated Fair Value$32.8B$34.2B$34.7B$35.4B$35.7B$36.4B
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss$2.3B$1.9B$1.8B$1.6B$1.4B$1.5B
Debt Securities, Available-for-Sale, Unrealized Loss Position$26.7B$23.8B$24.2B$20.9B$18.8B$24.7B
Debt securities, held-to-maturity, allowance for credit loss (less than)—$0.0$0.0$0.0—$0.0
Debt Securities, Held-to-Maturity, Amortized Cost Excluding Accrued Interest, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date—$7.5B$7.4B$7.3B—$7.0B
Held-to-maturity, zero expected credit loss, percent of portfolio—95.0%95.0%96.0%—96.0%
Accrued interest receivable on debt securities$125.0M$129.0M$134.0M$135.0M$139.0M$138.0M
Derivative Asset, Subject to Master Netting Arrangement, after Offset$408.0M$760.0M$832.0M$721.0M$696.0M$805.0M
Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash, Offset Against Derivative Asset$677.0M$306.0M$235.0M$423.0M$494.0M$389.0M
Derivative Asset, Subject to Master Netting Arrangement, Liability Offset$391.0M$411.0M$505.0M$379.0M$342.0M$498.0M
Derivative, gross, assets$1.5B$1.5B$1.6B$1.5B$1.5B$1.7B
Derivatives, gross, liabilities$1.7B$1.7B$1.6B$1.3B$1.3B$1.5B
Derivative Liability, Subject to Master Netting Arrangement, after Offset$1.2B$883.0M$766.0M$738.0M$779.0M$814.0M
Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Offset$99.0M$363.0M$295.0M$169.0M$137.0M$207.0M
Derivative Liability, Subject to Master Netting Arrangement, Asset Offset$391.0M$411.0M$505.0M$379.0M$342.0M$498.0M
Notional$279.5B$278.3B$299.3B$305.5B$303.7B$308.2B
Cost$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Other assets, carrying value$710.0M$711.0M$772.0M$710.0M$807.0M$836.0M
Equity securities, at cost, fair value$710.0M$711.0M$772.0M$710.0M$807.0M$836.0M
Equity securities, at fair value$162.0M$178.0M$198.0M$224.0M$251.0M$269.0M
Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest And Off-Balance-Sheet, Credit Loss, Liability—$2.2B$2.2B$2.2B—$2.2B
Financing Receivable, Excluding Accrued Interest, Nonaccrual$1.7B$1.6B$1.5B$1.5B$1.5B$1.5B
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss$1.1B$954.0M$914.0M$830.0M$785.0M$803.0M
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain$1.0M$0.0$0.0$1.0M$2.0M$1.0M
5-10 years—$0.0$0.0$0.0—$0.0
1-5 years—$392.0M$374.0M$357.0M—$316.0M
After 10 years—$8.1B$7.9B$7.8B—$7.5B
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date—$8.5B$8.3B$8.1B—$7.8B
Within 1 year—$0.0$0.0$0.0—$0.0
Gains expected to be reclassified—-$612.0M-$546.0M-$396.0M—-$188.0M
Loans Receivable Fair Value Disclosure$136.3B$134.8B$136.7B$138.6B$140.1B$142.6B
Fair value of long-term debt$12.2B$12.2B$12.6B$10.6B$11.5B$12.1B
Mortgage loans collateralized by OREO$295.0M$302.0M$294.0M$299.0M$307.0M$313.0M
Off-Balance-Sheet, Credit Loss, Liability$198.0M$198.0M$201.0M$229.0M$240.0M$227.0M
Other liabilities$101.0M$106.0M$137.0M$162.0M$157.0M$113.0M
Other loans held for sale$33.0M$1.7B$1.2B$566.0M$133.0M$620.0M
Loans held for sale, carrying value$33.0M$1.7B$1.2B$566.0M$133.0M$620.0M
Loans held for sale, fair value$33.0M$1.7B$1.2B$566.0M$133.0M$620.0M
Preferred Stock, Par or Stated Value Per Share$25.0$25.0$25.0$25.0$25.0$25.0
Preferred Stock, Shares Authorized$100.0M$100.0M$100.0M$100.0M$100.0M$100.0M
Preferred Stock, Shares Issued$2.2M$2.2M$2.2M$2.2M$2.2M$2.2M
Preferred Stock, Shares Outstanding$2.2M$2.2M$2.2M$2.2M$2.2M$2.2M
Short-term borrowed funds———$1.0M$6.0M$0.0
Short-term borrowed funds, fair value———$1.0M$6.0M$0.0
Short-term investments$53.0M$55.0M$49.0M$73.0M$72.0M$65.0M
Treasury stock, shares (in shares)$209.5M$214.0M$219.1M$220.7M$223.0M$227.8M
Purchase Obligation$95.4B$96.1B$98.7B$102.7B$107.9B$110.2B

Non-Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Allowance for credit losses$2.1B$2.0B$2.0B$2.0B$1.9B$2.0B
Gross loans$139.2B$137.6B$139.3B$140.9B$142.7B$143.7B
Loans 90+ Days Past Due$1.7B$1.6B$1.5B$1.5B$1.5B$1.5B
Deferred tax assets-$127.0M-$16.0M-$99.0M$22.0M—$52.0M
Equity Amortized Cost$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Available-for-sale securities$32.8B$28.3B$28.3B$28.6B$35.7B$29.4B
Held-to-maturity securities$8.6B$8.5B$8.3B$8.1B$7.9B$7.8B
Goodwill$8.2B$8.2B$8.2B$8.2B$8.2B$8.2B
Held-to-Maturity Debt Securities - Fair Value$7.5B$7.5B$7.4B$7.3B$7.2B$7.0B
Held-to-Maturity Debt Securities - Maturing 1 to 5 Years—$386.0M$371.0M$357.0M—$314.0M
Held-to-Maturity Debt Securities - Maturing 5 to 10 Years—$0.0$0.0$0.0—$0.0
Held-to-Maturity Debt Securities - Maturing Over 10 Years—$7.1B$7.0B$6.9B—$6.7B
Equity securities$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Intangible assets, net$146.0M$137.0M$129.0M$123.0M$115.0M$112.0M
Investments - Cost Basis$220.0M$236.0M$257.0M$286.0M$317.0M$336.0M
Mortgage servicing rights$1.5B$1.4B$1.4B$1.4B$1.5B$1.5B
Bank Owned Life Insurance$3.4B$3.4B$3.4B$3.4B$3.4B$3.5B
Cash and Due from Banks$1.4B$1.1B$1.1B$1.3B$1.5B$1.1B
Private debt held-for-investment, at amortized cost, net of valuation allowance &#8211; $3 and $4$137.1B$135.6B$137.3B$138.9B$140.7B$141.7B
Interest-bearing cash and due from banks$9.2B$10.5B$7.4B$10.4B$11.3B$11.2B
Interest-Bearing Deposits in Banks and Other Financial Institutions$635.0M$685.0M$680.0M$694.0M$961.0M$830.0M
Other Assets$14.3B$13.5B$13.3B$13.3B$14.4B$14.7B
Other Intangible Assets Net$146.0M$137.0M$129.0M$123.0M$115.0M$112.0M
Fair value of servicing rights$1.5B$1.4B$1.4B$1.4B$1.5B$1.5B
Other non-current assets$13.9B$13.5B$13.3B$13.3B$14.4B$14.7B
Property and equipment, net$875.0M$855.0M$855.0M$857.0M$915.0M$874.0M
Total assets$217.5B$220.1B$218.3B$222.7B$226.4B$227.9B

Non-Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Borrowings at Fair Value$0.0$47.0M$249.0M$213.0M$52.0M$54.0M
Debt Maturity - 1 to 5 Years—$392.0M$374.0M$357.0M—$316.0M
Debt Maturity - 5 to 10 Years—$0.0$0.0$0.0—$0.0
Debt Maturity - Over 10 Years—$26.7B$26.8B$27.4B—$28.2B
Debt - Unamortized Discount (Premium) and Issuance Costs, Net$85.0M$84.0M$78.0M$75.0M$71.0M$70.0M
Long-term debt$12.4B$12.3B$12.5B$10.4B$11.2B$12.3B
Interest-Bearing Deposit Liabilities$137.9B$140.0B$137.1B$140.5B$142.9B$142.4B
Unsecured debt$12.5B$12.4B$12.6B$10.5B$11.3B$12.3B
Other non-current liabilities$6.1B$4.5B$4.4B$5.5B$5.4B$5.4B
Total liabilities$193.3B$195.3B$193.1B$196.9B$200.0B$201.7B