Bank · FDIC insured
Citi
Top CarrotA $2T bank, the 3rd largest of 4,207, headquartered in Sioux Falls, SD, with 947 branches in 12 states. Best rates: CDs 4.25% and savings 3.00% APY.
Citi Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#20 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citi
- Headquarters
- 5800 S Corporate Pl, Sioux Falls, SD 57108
- FDIC certificate
- 7213 ↗
Branches
947 branches in 12 states
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California
271 branchesNew York
211 branchesIllinois
57 branchesFlorida
56 branchesDistrict of Columbia
15 branchesConnecticut
12 branchesMaryland
11 branchesNew Jersey
8 branchesNevada
8 branchesVirginia
8 branchesPuerto Rico
2 branchesSouth Dakota
2 branchesWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.87% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.66% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.06% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $49 | $85 | — |
- CapitalLeverage ratio7.87%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.66%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.06%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$49Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citi are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.