CITIZENS FINANCIAL GROUP INC/RI
For the period ended Dec 31, 2025. Filed Feb 12, 2026.
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FY2025 · Filed Feb 12, 2026
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Consolidated Balance Sheets
| December 31, | ||
|---|---|---|
| (dollars in millions, except par value) | 2025 | 2024 |
| ASSETS: | ||
| Cash and due from banks | $1,464 | $1,409 |
| Interest-bearing cash and due from banks | 11,263 | 9,192 |
| Interest-bearing deposits in banks(1) | 961 | 635 |
| Debt securities available for sale, at fair value (including $108 and $152 pledged to creditors, respectively)(2) | 35,697 | 32,765 |
| Debt securities held to maturity (fair value of $7,150 and $7,540, respectively, and including $67 and $83 pledged to creditors, respectively)(2) | 7,933 | 8,599 |
| Loans held for sale (includes $1,065 and $825, respectively, measured at fair value) | 1,198 | 858 |
| Loans and leases | 142,692 | 139,203 |
| Less: Allowance for loan and lease losses | (1,943) | (2,061) |
| Net loans and leases(1) | 140,749 | 137,142 |
| Premises and equipment, net | 915 | 875 |
| Bank-owned life insurance | 3,441 | 3,364 |
| Goodwill | 8,187 | 8,187 |
| Other intangible assets(3) | 115 | 146 |
| Other assets(1)(4) | 14,428 | 14,349 |
| TOTAL ASSETS | $226,351 | $217,521 |
| LIABILITIES AND STOCKHOLDERS’ EQUITY: | ||
| LIABILITIES: | ||
| Deposits: | ||
| Noninterest-bearing | $40,417 | $36,920 |
| Interest-bearing | 142,896 | 137,856 |
| Total deposits | 183,313 | 174,776 |
| Short-term borrowed funds | 58 | — |
| Long-term borrowed funds(1) | 11,224 | 12,401 |
| Other liabilities(1)(4) | 5,439 | 6,090 |
| TOTAL LIABILITIES | 200,034 | 193,267 |
| Commitments and Contingencies (refer to Note 17) | ||
| STOCKHOLDERS’ EQUITY: | ||
| Preferred Stock: | ||
| $25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at December 31, 2025 and 2024 | 2,111 | 2,113 |
| Common stock: | ||
| $0.01 par value, 1,000,000,000 shares authorized; 652,238,745 shares issued and 429,242,174 shares outstanding at December 31, 2025 and 650,068,324 shares issued and 440,543,381 shares outstanding at December 31, 2024 | 7 | 7 |
| Additional paid-in capital | 22,476 | 22,364 |
| Retained earnings | 11,345 | 10,412 |
| Treasury stock, at cost, 222,996,571 and 209,524,943 shares at December 31, 2025 and 2024, respectively | (7,652) | (7,047) |
| Accumulated other comprehensive income (loss) | (1,970) | (3,595) |
| TOTAL STOCKHOLDERS’ EQUITY | 26,317 | 24,254 |
| TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY | $226,351 | $217,521 |
(1) Includes amounts in consolidated VIEs. See Note 9 for additional information.
(2) Includes only collateral pledged by the Company where counterparties have the right to sell or pledge the collateral.
(3) Excludes MSRs, which are reported in Other assets.
(4) See Note 1 for information regarding updates to the Consolidated Balance Sheets during 2025.
Citizens Financial Group, Inc. | 85
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