| Balance Sheets | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Cash and due from banks | 1,254 | 1,107 | 1,082 | 979 |
| Interest-bearing cash and due from banks | 10,396 | 7,441 | 10,459 | 9,936 |
| Interest-bearing deposits in banks | 694 | 680 | 685 | 648 |
| Debt securities available for sale, at fair value (including 115 and 152 pledged to creditors, respectively) | 35,419 | 34,658 | 34,208 | 32,835 |
| Gross unrealized gains-Mortgage Backed Securities | 1 | 0 | 0 | 2 |
| Gross unrealized gains-Mortgage Backed Securities | 830 | 911 | 948 | 665 |
| Fair value-Mortgage Backed Securities | 6,938 | 7,008 | 7,129 | 7,645 |
| Gross unrealized gains-Asset Backed Securities | 0 | 0 | 0 | 1 |
| Gross unrealized gains-Asset Backed Securities | 0 | 3 | 6 | 9 |
| Fair value-Asset Backed Securities | 357 | 371 | 386 | 422 |
| Debt securities held to maturity (fair value of 7,295 and 7,540, respectively, and including 68 and 83 pledged to creditors, respectively) | 8,124 | 8,293 | 8,469 | 8,738 |
| Loans held for sale at fair value | 768 | 935 | 1,137 | - |
| Other loans held for sale | 566 | 1,158 | 1,683 | 49 |
| Loans held for sale (includes 768 and 825, respectively, measured at fair value) | 1,334 | 2,093 | 2,820 | 614 |
| Loans and leases | 140,870 | 139,304 | 137,635 | 141,632 |
| Less allowance for loan and lease losses | 1,972 | 2,008 | 2,014 | 2,079 |
| Net loans and leases | 138,898 | 137,296 | 135,621 | 139,553 |
| Derivative assets | 721 | 832 | 760 | 586 |
| Premises and equipment, net | 857 | 855 | 855 | 862 |
| Bank-owned life insurance | 3,422 | 3,408 | 3,386 | 3,346 |
| Goodwill | 8,187 | 8,187 | 8,187 | 8,187 |
| Other intangible assets | 123 | 129 | 137 | 137 |
| Other assets | 13,318 | 13,331 | 13,479 | 13,236 |
| Total assets | 222,747 | 218,310 | 220,148 | 219,706 |
| Noninterest-bearing | 39,472 | 38,001 | 37,556 | 35,978 |
| Interest-bearing | 140,539 | 137,085 | 140,020 | 139,210 |
| Total deposits | 180,011 | 175,086 | 177,576 | 175,188 |
| A4.023Fixed Rate Subordinated Debt Due2024-Parent Company-Subordinated Debt | - | - | - | 17 |
| Short-term borrowed funds | 214 | 249 | 47 | 15 |
| A4.350Fixed Rate Subordinated Debt Due2025-Parent Company-Subordinated Debt | - | - | - | 133 |
| A4.300Fixed Rate Subordinated Debt Due2025-Parent Company-Subordinated Debt | - | - | - | 336 |
| A2.850Senior Unsecured Notes Due2026-Parent Company-Senior Notes | - | - | - | 499 |
| A5.841Fixed Floating Rate Senior Unsecured Notes Due January2030-Parent Company-Senior Notes | - | - | - | 1,245 |
| A2.500Senior Unsecured Notes Due February2030-Parent Company-Senior Notes | - | - | - | 299 |
| A3.250Senior Unsecured Notes Due April2030-Parent Company-Senior Notes | - | - | - | 747 |
| A3750Fixed Rate Subordinated Debt Due February2031-Parent Company-Subordinated Debt | - | - | - | 69 |
| A4300Fixed Rate Subordinated Debt Due February2031-Parent Company-Subordinated Debt | - | - | - | 135 |
| A4350Fixed Rate Subordinated Debt Due February2031-Parent Company-Subordinated Debt | - | - | - | 60 |
| A5.718Fixed Floating Rate Senior Unsecured Notes Due July2032-Parent Company-Subordinated Debt | - | - | - | 1,243 |
| A2.638Subordinated Debt Due September2032-Parent Company-Subordinated Debt | - | - | - | 568 |
| A6.645Subordinated Debt Due April2035-Parent Company-Subordinated Debt | - | - | - | 745 |
| Parent Company-Subordinated Debt-Subordinated Debt5641Fixed Rate Due May2037 | - | - | - | 398 |
| A2.250Senior Unsecured Notes Due April2025-Senior Notes-Subsidiaries | - | - | - | 749 |
| Senior Notes-Senior Unsecured Notes6064Fixed Floating Rate Due October2025-Subsidiaries | - | - | - | 600 |
| Senior Notes-Senior Unsecured Notes5284Fixed Floating Rate Due January2026-Subsidiaries | - | - | - | 350 |
| A3.750Senior Unsecured Notes Due2026-Senior Notes-Subsidiaries | - | - | - | 491 |
| Senior Notes-Senior Unsecured Notes4575Fixed Floating Rate Due August2028-Subsidiaries | - | - | - | 798 |
| Federal Home Loan Bank Advances-Subsidiaries | - | - | - | 553 |
| Secured Debt-Subsidiaries | - | - | - | 3,887 |
| Other Longterm Debt-Subsidiaries | - | - | - | 22 |
| Long-term borrowed funds | 10,441 | 12,526 | 12,267 | 13,944 |
| Derivative liabilities | 738 | 766 | 883 | 1,012 |
| Other liabilities | 5,514 | 4,449 | 4,509 | 4,615 |
| Total liabilities | 196,918 | 193,076 | 195,282 | 194,774 |
| 25.00 par value,100,000,000 shares authorized 2,150,000 shares issued and outstanding at september 30, 2025 and december 31, 2024 | 2,111 | 2,113 | 2,113 | 2,112 |
| 0.01 par value, 1,000,000,000 shares authorized 652,107,285 shares issued and 431,453,142 shares outstanding at september 30, 2025 and 650,068,324 shares issued and 440,543,381 shares outstanding at december 31, 2024 | 7 | 7 | 7 | 6 |
| Additional paid-in capital | 22,448 | 22,420 | 22,370 | 22,327 |
| Retained earnings | 11,056 | 10,783 | 10,566 | 10,233 |
| Treasury stock, at cost, 220,654,143 and 209,524,943 shares at september 30, 2025 and december 31, 2024, respectively | 7,526 | 7,450 | 7,249 | 6,820 |
| Accumulated other comprehensive income (loss) | -2,267 | -2,639 | -2,941 | -2,926 |
| Total stockholders equity | 25,829 | 25,234 | 24,866 | 24,932 |
| Total liabilities and stockholders equity | 222,747 | 218,310 | 220,148 | 219,706 |
CITIZENS FINANCIAL GROUP INC RI (CFG-PH)
CITIZENS FINANCIAL GROUP INC RI (CFG-PH)