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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 $12.3B 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$28.6B
P/E Ratio14.49
ROE7.74%

Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Accrued interest$816M$817M$835M$857M$825M$832M
Other short-term debt$0$47M$249M$214M$58M$54M
Current portion of long-term debt$0$47M$249M$214M$58M$54M
Derivative Liabilities - Fair Value$391M$411M$505M$379M$342M$498M
Deposits$174.8B$177.6B$175.1B$180B$183.3B$184B
Noninterest-bearing deposits$36.9B$37.6B$38B$39.5B$40.4B$41.7B
Derivative liabilities$391M$411M$505M$379M$342M$498M
Short-term borrowings$0$47M$249M$214M$58M$54M

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$2B$1.7B$1.6B$1.4B$1.3B$1.3B
Accumulated other comprehensive income (loss)-$3.6B-$2.9B-$2.6B-$2.3B-$2B-$2.1B
Common stock7M1B1B1B1B1B
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$954M$914M$830M$785M$803M
Cumulative Gross Unrealized Gains$1M$0$0$1M$2M$1M
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$7M$7M$7M$7M$7M$7M
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$7B$7.2B$7.5B$7.5B$7.7B$8B

Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)—$0$70M$100M—$708M
Available-for-Sale Debt Securities - Amortized Cost (<1 Year)—$0$70M$100M—$708M
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
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$220M$236M$257M$286M$317M$336M
Derivative Assets - Fair Value$1.5B$1.5B$1.6B$1.5B$1.5B$1.7B
Equity Securities (FV-NI) - Cost Basis$220M$236M$257M$286M$317M$336M
Derivative assets$408M$760M$832M$721M$342M$498M
Interest-bearing deposits in banks and other financial institutions$635M$685M$680M$694M$961M$830M
Trading assets—$0$70M$99M—$702M
Held-to-Maturity Debt Securities - Maturing Within One Year—$0$0$0—$0
Loans held for sale$858M$2.8B$2.1B$1.3B$1.2B$1.5B
Net Derivative Assets/(Liabilities) After Master Netting$1.2B$883M$766M$738M$779M$814M

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$398M$398M$438M$412M$496M$428M
Cumulative Cost Basis$220M$236M$257M$286M$317M$336M
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$883M$766M$738M$1.3B$1.5B
Hedged Asset Fair Value Hedge Basis Adjustment$75M$2M-$29M-$37M-$17M$4M
Hedged Asset (Statement of Financial Position)$75M$2M-$29M-$37M-$17M$4M
Interest Rate Hedge Reclassification (Next 12 Months)—-$612M-$546M-$396M—-$188M
Available-For-Sale Securities And Held-To-Maturity Securities, Debt Maturities, After One Through Five Years, Amortized Cost—$5.8B$5.9B$6B—$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—$36B$36.3B$36.8B—$37.7B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One—$0$70M$99M—$702M
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$42B$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$70M$99M—$702M
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$70M$100M—$708M
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
Common stock, shares authorized (in shares)$1B$1B$1B$1B$1B$1B
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$426M
Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net$85M$84M$78M$75M$71M$70M
Unused borrowing capacity—$77.4B$75.7B$78B—$80.7B
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss$2B$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$265M$189M$213M$171M$164M$253M
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
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—$7B
Held-to-maturity, zero expected credit loss, percent of portfolio—95.0%95.0%96.0%—96.0%
Accrued interest receivable on debt securities$125M$129M$134M$135M$139M$138M
Derivative Asset, Subject to Master Netting Arrangement, after Offset$408M$760M$832M$721M$696M$805M
Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash, Offset Against Derivative Asset$677M$306M$235M$423M$494M$389M
Derivative Asset, Subject to Master Netting Arrangement, Liability Offset$391M$411M$505M$379M$342M$498M
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$883M$766M$738M$779M$814M
Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Offset$99M$363M$295M$169M$137M$207M
Derivative Liability, Subject to Master Netting Arrangement, Asset Offset$391M$411M$505M$379M$342M$498M
Notional$279.5B$278.3B$299.3B$305.5B$303.7B$308.2B
Cost$220M$236M$257M$286M$317M$336M
Other assets, carrying value$710M$711M$772M$710M$807M$836M
Equity securities, at cost, fair value$710M$711M$772M$710M$807M$836M
Equity securities, at fair value$162M$178M$198M$224M$251M$269M
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$954M$914M$830M$785M$803M
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain$1M$0$0$1M$2M$1M
5-10 years—$0$0$0—$0
1-5 years—$392M$374M$357M—$316M
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
Gains expected to be reclassified—-$612M-$546M-$396M—-$188M
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$295M$302M$294M$299M$307M$313M
Off-Balance-Sheet, Credit Loss, Liability$198M$198M$201M$229M$240M$227M
Other liabilities$101M$106M$137M$162M$157M$113M
Other loans held for sale$33M$1.7B$1.2B$566M$133M$620M
Loans held for sale, carrying value$33M$1.7B$1.2B$566M$133M$620M
Loans held for sale, fair value$33M$1.7B$1.2B$566M$133M$620M
Preferred Stock, Par or Stated Value Per Share$25$25$25$25$25$25
Preferred Stock, Shares Authorized$100M$100M$100M$100M$100M$100M
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———$1M$6M$0
Short-term borrowed funds, fair value———$1M$6M$0
Short-term investments$53M$55M$49M$73M$72M$65M
Treasury stock, shares (in shares)$209.5M$214M$219.1M$220.7M$223M$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$2B$2B$2B$1.9B$2B
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-$127M-$16M-$99M——$52M
Equity Amortized Cost$220M$236M$257M$286M$317M$336M
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$7B
Held-to-Maturity Debt Securities - Maturing 1 to 5 Years—$386M$371M$357M—$314M
Held-to-Maturity Debt Securities - Maturing 5 to 10 Years—$0$0$0—$0
Held-to-Maturity Debt Securities - Maturing Over 10 Years—$7.1B$7B$6.9B—$6.7B
Equity securities$220M$236M$257M$286M$317M$336M
Intangible assets, net$146M$137M$129M$123M$115M$112M
Investments - Cost Basis$220M$236M$257M$286M$317M$336M
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$635M$685M$680M$694M$961M$830M
Other Assets$14.3B$13.5B$13.3B$13.3B$14.4B$14.7B
Other Intangible Assets Net$146M$137M$129M$123M$115M$112M
Fair value of servicing rights$1.5B$1.4B$1.4B$1.4B$1.5B$1.5B
Other non-current assets$14.3B$13.5B$13.3B$13.3B$14.4B$14.7B
Property and equipment, net$875M$855M$855M$857M$915M$874M
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$47M$249M$213M$52M$54M
Debt Maturity - 1 to 5 Years—$392M$374M$357M—$316M
Debt Maturity - 5 to 10 Years—$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$85M$84M$78M$75M$71M$70M
Long-term debt$12.4B$12.3B$12.5B$10.4B$11.2B$12.3B
Interest-Bearing Deposit Liabilities$137.9B$140B$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$200B$201.7B