Citibank
Citibank reported total assets of $1,976.2 bn at Q2 2026, up 7.8% on a year earlier, the 3rd largest of 497 banks in our US coverage. The CET1 capital ratio at Citibank was 13.79%, and the uninsured share of Citibank was 82.47%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Citibank climbed from 362nd to 266th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Citibank has one of the highest uninsured share of domestic deposits readings among banks of over $100 bn: 82.47% at , against a median of 44.87% across 32 banks (FDIC Call Reports).
- Since , Citibank has taken over one institution; the latest was Department Stores National Bank on (FDIC Call Reports).
What sets Citibank apart
How large is Citibank?
The balance sheet of Citibank at : assets $1,976.2 bn, deposits $1,547.6 bn, net loans $739.5 bn (loans equal to 47.78% of deposits). Securities make up 21.4% of total assets at Citibank. Since , when Citibank held $1,342.6 bn, its assets grew 47.2%. In the year to , deposits at Citibank rose 9.5% while its total assets rose 7.8%. At , Citibank employed 169,535 full-time equivalent staff across 955 offices, about $11.7 mn of assets per employee and $1.6 bn of deposits per office.
How much funding at Citibank is uninsured?
At Citibank, uninsured deposits (above the FDIC limit) made up 82.47% of domestic deposits at (+2.04 pp on a year earlier); Citibank ranks 8th of 500 on this measure. In dollars, Citibank estimated $739.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $1,547.6 bn | +9.5% | 4th of 499 |
| Net loans and leases | $739.5 bn | +8.7% | 4th of 500 |
| Loan-to-deposit ratio | 47.78% | -0.36 pp | 477th of 500 |
| Tier 1 leverage ratio | 7.87% | -1.08 pp | 477th of 500 |
| Total risk-based capital ratio | 14.71% | -0.12 pp | 195th of 448 |
| Net interest margin | 3.02% | -0.06 pp | 402nd of 500 |
| Return on assets (ROA) | 1.06% | +0.22 pp | 360th of 500 |
| Efficiency ratio | 51.39% | -3.33 pp | 157th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $10.2 bn | Narrowed by $3.5 bn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1.1 bn | Widened by $39.0 mn | |
| Noncurrent loans to total loans | 0.66% | -0.10 pp | 272nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.06% | -0.18 pp | 469th of 500 (1 = lowest) |
US rank of Citibank: 1 = highest unless marked 1 = lowest.
Balance sheet
Citibank: assets, deposits and loans
- Total assets $1,976bn
- Deposits $1,548bn
- Net loans $739bn
Capital and securities
The CET1 ratio of Citibank stood at 13.79% in , +0.03 pp year on year. Low and high at Citibank since : 12.16% () to 14.75% (). Equity capital of Citibank at : $171.3 bn, or 8.7% of total assets. Citibank also reported a total capital ratio of 14.71% for , and a tier 1 leverage ratio of 7.87%.
On held-to-maturity securities, Citibank carried an unrealized loss of $10.2 bn at , equal to 6.0% of equity capital. The loss narrowed by $3.5 bn over the year. Its deepest point: $28.0 bn in . The available-for-sale portfolio of Citibank showed an unrealized loss of $1.1 bn at ; the loss widened by $39.0 mn over the year.
Citibank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 7.9%
Citibank: unrealized securities gains and losses
- Available for sale -$1.1bn
- Held to maturity -$10.2bn
Profitability and loan quality
For the year to , Citibank earned a return on equity of 11.69%; return on assets: 1.06%. Net interest margin at Citibank: 3.02%, -0.06 pp in a year. Citibank net income: $10.1 bn, up 36.5% year on year. The efficiency ratio of Citibank was 51.39%: about 51 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.66% of total loans at Citibank; net charge-offs: 1.06% of average loans. Gross loans and leases at Citibank: $757.2 bn, up 8.5% in a year.
Citibank: profitability
- Return on equity 12%
- Net interest margin 3.0%
- Return on assets 1.1%
Peer group of Citibank
The peer group of Citibank is the 6 banks nearest to it by total assets at : 2 larger and 4 smaller. Of the peers, 5 share the charter type of Citibank (national bank), 6 sit in the same size group (over $100 bn) and 1 has its head office in South Dakota. Against them, Citibank shows CET1 ratio 13.79% against a peer median of 13.06%, return on equity 11.69% against a peer median of 13.05% and uninsured deposit share 82.47% against a peer median of 47.97%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase Bank | National bank | OH | $4,091.3 bn | 15.03% | 18.55% | 62.53% | |
| Bank of America | National bank | NC | $2,654.6 bn | 12.10% | 12.31% | 45.36% | |
| Citibank | National bank | SD | $1,976.2 bn | 13.79% | 11.69% | 82.47% | |
| Wells Fargo Bank | National bank | SD | $1,907.9 bn | 12.06% | 14.88% | 50.57% | |
| Goldman Sachs Bank USA | State member bank | NY | $758.8 bn | 13.48% | 13.72% | 45.23% | |
| U.S. Bank | National bank | OH | $705.6 bn | 12.91% | 12.38% | 53.09% | |
| Capital One | National bank | VA | $662.2 bn | 13.21% | 11.35% | 20.82% | |
. FDIC Call Reports.
Last eight quarters
Two years at Citibank, to : assets +14.0%, deposits +14.0%, equity +0.4%. Staff 177,100 to 169,535; offices 946 to 955.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1,733.1 bn | $1,696.8 bn | $1,760.9 bn | $1,833.9 bn | $1,844.2 bn | $1,836.4 bn | $1,933.6 bn | $1,976.2 bn |
| Total deposits | $1,357.4 bn | $1,324.8 bn | $1,361.7 bn | $1,413.4 bn | $1,429.9 bn | $1,465.3 bn | $1,501.0 bn | $1,547.6 bn |
| Bank equity capital | $170.5 bn | $170.9 bn | $174.3 bn | $176.1 bn | $177.1 bn | $176.5 bn | $171.4 bn | $171.3 bn |
| CET1 ratio | 13.93% | 13.83% | 13.97% | 13.76% | 14.01% | 14.33% | 13.77% | 13.79% |
| Return on equity (ROE) | 8.46% | 7.96% | 8.70% | 8.53% | 8.93% | 8.67% | 11.52% | 11.69% |
| Uninsured share of domestic deposits | 76.81% | 78.48% | 78.85% | 80.43% | 81.84% | 79.72% | 78.42% | 82.47% |
| Full-time equivalent employees | 177,100 | 178,017 | 178,683 | 180,607 | 175,706 | 174,942 | 174,008 | 169,535 |
| Number of offices | 946 | 947 | 949 | 955 | 957 | 959 | 959 | 955 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Citibank, oldest first; figures before and after each event are not like for like.
- . Absorbed Department Stores National Bank (FDIC certificate 58180).
Questions and identifiers
What were the total assets of Citibank?
Citibank reported $1,976.2 bn at in its Call Report. That makes Citibank the 3rd largest of 497 banks in our US coverage.
Is Citibank the same as its holding company?
No. This page covers Citibank, FDIC certificate 7213; CITIGROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Citibank profitable?
Citibank reported net income of $10.1 bn for the year to ; annualized return on equity: 11.69%. So yes: Citibank made a profit over these months.
When is data for Citibank next updated?
Figures from Citibank for are due after .
Where can I check the figures for Citibank?
In the FDIC BankFind Suite record for certificate 7213, and in the Call Reports of Citibank (RSSD ID 476810) at the FFIEC Central Data Repository.