Is Citizens Bank Safe?
Citizens Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while profitability is its weakest area (77/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.28% | 94/100 |
| Nonperforming Loan Ratio | 0.07% | 99/100 |
| Liquidity Ratio | 29.82% | 99/100 |
| Return on Assets | 1.43% | 77/100 |
| Total Assets | $0.2B | |
How does Citizens Bank compare?
With a Bank Health Score of 95/100, Citizens Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Kentucky, where 103 FDIC-insured banks are headquartered, Citizens Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.28% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.07% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Bank's Bank Health Score improved by 2.0 points to 95/100. Tier 1 capital strengthened by 0.23 percentage points to 14.28%. Quarter-over-quarter, the score fell by 1.0 points.
Citizens Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while profitability is its weakest area (77/100).