Bank · FDIC insured
Citizens Bank
A $232.5B bank, the 20th largest of 4,207, headquartered in Providence, RI, with 968 branches in 16 states. Best rates: savings 0.03% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings623.50%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank
Citizens Bank, National Association operates 1,000 branches as of June 30th, 2025.
- Headquarters
- 1 Citizens Plz, Providence, RI 02903
- FDIC certificate
- 57957 ↗
Branches
968 branches in 16 states
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Pennsylvania
211 branchesMassachusetts
179 branchesNew York
169 branches
New York area · 94
- Astoria-31st Street Branch2302 31st St, Astoria, NY 11105Directions
- Astoria-Broadway-Marathon Branch3101 Broadway, Astoria, NY 11106Directions
- Bayside-Bell Blvd Branch43 - 08 Bell Boulevard, Bayside, NY 11361Directions
- Bohemia Branch4040 Veterans Memorial Hwy, Bohemia, NY 11716Directions
- Boston Road Branch3478 Boston Rd, Bronx, NY 10469Directions
- Crosby Branch1756 Crosby Ave, Bronx, NY 10461Directions
- Fordham Branch1 E Fordham Rd, Bronx, NY 10468Directions
- Parkchester West Branch1499 West Ave, Bronx, NY 10462Directions
- Riverdale Branch569 W 235th St, Bronx, NY 10463Directions
- Bronxville Branch74 Pondfield Rd, Bronxville, NY 10708Directions
- 18th Avenue6402 18th Ave, Brooklyn, NY 11204Directions
- Avenue J Branch1201 Avenue J, Brooklyn, NY 11230Directions
- Avenue M Branch1421 Avenue M, Brooklyn, NY 11230Directions
- Boro Park Branch4624 13th Ave, Brooklyn, NY 11219Directions
- Brighton Beach Branch Office268 Brighton Beach Ave, Brooklyn, NY 11235Directions
- Carroll Gardens Branch Office431 Court St, Brooklyn, NY 11231Directions
- Dyker Hieghts Branch7414 13th Ave, Brooklyn, NY 11228Directions
- Fifth Avenue Branch7826 5th Ave, Brooklyn, NY 11209Directions
- Flatbush & Fulton Branch2 Flatbush Ave, Brooklyn, NY 11217Directions
- Flatbush And Nostrand Avenue Branch1545 Flatbush Ave, Brooklyn, NY 11210Directions
- Georgetown Branch2145 Ralph Ave, Brooklyn, NY 11234Directions
- Greenpoint Branch896 Manhattan Ave, Brooklyn, NY 11222Directions
- Montague Street Branch174 Montague St, Brooklyn, NY 11201Directions
- Park Slope Branch314 7th Ave, Brooklyn, NY 11215Directions
- Quentin Road Branch1207 Quentin Rd, Brooklyn, NY 11229Directions
- Third Avenue Branch7123 3rd Ave, Brooklyn, NY 11209Directions
- Williamsburg Branch252 Bedford Ave, Brooklyn, NY 11249Directions
- Williamsburg-Broadway Branch236 Broadway, Brooklyn, NY 11211Directions
- Commack Branch5880 Jericho Tpke, Commack, NY 11725Directions
- East Setauket Branch300 Main St, East Setauket, NY 11733Directions
- Elmhurst East Branch8703 Queens Blvd, Elmhurst, NY 11373Directions
- Northern Boulevard Branch14401 Northern Blvd, Flushing, NY 11354Directions
- Pomonok Branch15602 Aguilar Ave, Flushing, NY 11367Directions
- Forest Hills Branch10719 Continental Ave, Forest Hills, NY 11375Directions
- Franklin Square Branch675 Hempstead Tpke, Franklin Square, NY 11010Directions
- Carle Place Branch857 E Gate Blvd, Garden City, NY 11530Directions
- Great Neck Branch57 Middle Neck Rd, Great Neck, NY 11021Directions
- Hampton Bays Branch248 W Montauk Hwy, Hampton Bays, NY 11946Directions
- Huntington Village Branch355 W Main St, Huntington, NY 11743Directions
- Islandia Branch2929 Expressway Dr N, Islandia, NY 11749Directions
- Hillside Avenue Branch14702 Hillside Ave, Jamaica, NY 11435Directions
- Lake Ronkonkoma Branch395 Portion Rd, Lake Ronkonkoma, NY 11779Directions
- Levittown Branch3130 Hempstead Tpke, Levittown, NY 11756Directions
- Long Island City Branch2415 Queens Plz N, Long Island City, NY 11101Directions
- Manhasset Branch1577 Northern Blvd, Manhasset, NY 11030Directions
- Maspeth Branch6971 Grand Ave, Maspeth, NY 11378Directions
- Melville Branch859 Walt Whitman Rd, Melville, NY 11747Directions
- Merrick Branch2150 Merrick Rd, Merrick, NY 11566Directions
- Mineola Branch190 E Jericho Tpke, Mineola, NY 11501Directions
- New Hyde Park Branch1596 Union Tpke, New Hyde Park, NY 11040Directions
- New Rochelle Branch260 North Ave, New Rochelle, NY 10801Directions
- North Avenue Branch1300 North Ave, New Rochelle, NY 10804Directions
- 101 Delancey Branch101 Delancey St, New York, NY 10002Directions
- 1301 Avenue Of The Americas Branch1301 Avenue Of The Americas, New York, NY 10019Directions
- 57th Street Branch250 W 57th St, New York, NY 10107Directions
- 79th And 2nd Branch1510 2nd Ave, New York, NY 10075Directions
- 95th Street & Amsterdam Branch721 Amsterdam Ave, New York, NY 10025Directions
- Canal Street Branch235 Canal St, New York, NY 10013Directions
- Chelsea Branch800 6th Ave, New York, NY 10001Directions
- East Village Branch143 2nd Ave, New York, NY 10003Directions
- Flatiron Branch267 5th Ave, New York, NY 10016Directions
- Frederick Douglass Blvd Branch2063 Frederick Douglass Blvd, New York, NY 10026Directions
- Gramercy Branch302 3rd Ave, New York, NY 10010Directions
- Seventh Avenue Branch518 Fashion Ave, New York, NY 10018Directions
- Soho Branch11 East Houston Street, New York, NY 10012Directions
- Third Avenue And 40th Street Branch617 3rd Ave, New York, NY 10158Directions
- Union Square Branch15 Union Sq W, New York, NY 10003Directions
- 1133 Avenue Of The Americas Branch1133 Avenue Of The Americas, New York City, NY 10036Directions
- 86th Street And 3rd Avenue Branch186 E 86th St, New York City, NY 10028Directions
- 86th Street Branch2301 86th Street, New York City, NY 11214Directions
- 8th Avenue And 14th Street Branch80 8th Ave, New York City, NY 10011Directions
- Avenue U Branch1702 Avenue U, New York City, NY 11229Directions
- Bowling Green Branch26 Broadway, New York City, NY 10004Directions
- Chambers/Tribeca Branch110 W Broadway, New York City, NY 10013Directions
- Kings Bay Branch3780 Nostrand Avenue, New York City, NY 11235Directions
- Starrett City Branch1330 Pennsylvania Avenue, New York City, NY 11239Directions
- Third Avenue And 92nd Street Branch9201 Third Avenue, New York City, NY 11209Directions
- Ridgewood Branch5825 Myrtle Ave, Ridgewood, NY 11385Directions
- Rockville Centre Branch330 Sunrise Hwy, Rockville Centre, NY 11570Directions
- Rye Branch67 Purchase St, Rye, NY 10580Directions
- Bulls Head Branch2200 Richmond Ave, Staten Island, NY 10314Directions
- Grasmere Branch1556 Hylan Blvd, Staten Island, NY 10305Directions
- New Dorp Branch2580 Hylan Blvd, Staten Island, NY 10306Directions
- Staten Island-Forest Ave Branch1200 Forest Ave, Staten Island, NY 10310Directions
- Tottenville Branch271 Page Ave, Staten Island, NY 10307Directions
- Syosset Branch603 Jericho Tpke, Syosset, NY 11791Directions
- Valley Stream Branch4 Green Acres Common 4110, Valley Stream, NY 11581Directions
- Wantagh Branch1164 Wantagh Ave, Wantagh, NY 11793Directions
- City Center1 City Pl, White Plains, NY 10601Directions
- Whitestone Branch15007 14th Ave, Whitestone, NY 11357Directions
- Woodside Long Island Cit Branch5120 Northern Blvd, Woodside, NY 11377Directions
- East Yonkers Branch778 Yonkers Ave, Yonkers, NY 10704Directions
- South Yonkers Branch449 S Broadway, Yonkers, NY 10705Directions
- Yonkers Branch2195 Central Park Ave, Yonkers, NY 10710Directions
Buffalo area · 23
- Creekside2797 Niagara Falls Blvd, Amherst, NY 14228Directions
- Maple Road-Amherst/Tops Branch2351 Maple Rd, Amherst, NY 14221Directions
- Northtown Branch3180 Sheridan Dr, Amherst, NY 14226Directions
- Elmwood / Hertel Branch1893 Elmwood Ave, Buffalo, NY 14207Directions
- Liberty Branch6 Fountain Plz, Buffalo, NY 14202Directions
- South Park/Tops Branch1460 S Park Ave, Buffalo, NY 14220Directions
- Cheektowaga / Galleria Branch1722 Walden Ave, Cheektowaga, NY 14225Directions
- George Urban Plaza2040 George Urban Blvd, Depew, NY 14043Directions
- Transit/Losson Branch4964 Transit Rd, Depew, NY 14043Directions
- East Amherst9430 Transit Rd, East Amherst, NY 14051Directions
- East Aurora212 Main St, East Aurora, NY 14052Directions
- Grand Island/Tops Branch2140 Grand Island Blvd, Grand Island, NY 14072Directions
- Hamburg Branch6000 S Park Ave, Hamburg, NY 14075Directions
- Lockport Branch5793 S Transit Rd, Lockport, NY 14094Directions
- Niagara Falls Branch8298 Niagara Falls Blvd, Niagara Falls, NY 14304Directions
- Portage Road/Tops Branch1000 Portage Rd, Niagara Falls, NY 14301Directions
- Orchard Park/Tops Branch3201 Southwestern Blvd, Orchard Park, NY 14127Directions
- Kenmore Branch3494 Delaware Ave, Tonawanda, NY 14217Directions
- Tonawanda20 Main St, Tonawanda, NY 14150Directions
- Orchard Park Rd.- W. Seneca/Tops Branch355 Orchard Park Rd, West Seneca, NY 14224Directions
- West Seneca Branch1251 Union Rd, West Seneca, NY 14224Directions
- Georgetown Square Branch5225 Sheridan Dr, Williamsville, NY 14221Directions
- Main / Transit6850 Main St, Williamsville, NY 14221Directions
Rochester area · 18
- Perinton Square Mall/Starbucks Branch6720 Pittsford Palmyra Rd, Fairport, NY 14450Directions
- Northgate Plaza Branch3820 Dewey Ave, Greece, NY 14616Directions
- Irondequoit Plaza Branch525 Titus Ave, Irondequoit, NY 14617Directions
- Newark Branch711 W Miller St, Newark, NY 14513Directions
- Pennfair Branch2200 Penfield Rd, Penfield, NY 14526Directions
- Brighton Ny Branch2000 Monroe Ave, Rochester, NY 14618Directions
- Chili Center Branch3158 Chili Ave, Rochester, NY 14624Directions
- Franklin Street Branch260 E Main St, Rochester, NY 14604Directions
- Henrietta Branch589 Jefferson Rd, Rochester, NY 14623Directions
- Lyell Ave Branch2362 Lyell Ave, Rochester, NY 14606Directions
- Panorama Plaza715 Panorama Trl S, Rochester, NY 14625Directions
- Pittsford Plaza Branch3349 Monroe Ave, Rochester, NY 14618Directions
- Ridgemont Plaza Branch2833 W Ridge Rd, Rochester, NY 14626Directions
- South Clinton Ave/Tops Branch1900 S Clinton Ave, Rochester, NY 14618Directions
- West Ave.-Rochester/Tops Branch450 West Ave, Rochester, NY 14611Directions
- Eastview Mall Branch5 Eastview Mall Dr, Victor, NY 14564Directions
- Empire Blvd1950 Empire Blvd, Webster, NY 14580Directions
- Webster Branch66 W Main St, Webster, NY 14580Directions
Albany area · 15
- Albany Downtown Branch41 State St, Albany, NY 12207Directions
- Colonie Branch1440 Central Ave, Albany, NY 12205Directions
- Pine Hills Branch501 Western Ave, Albany, NY 12203Directions
- School House Road Branch1516 Western Ave, Albany, NY 12203Directions
- Clifton Park Branch1 Municipal Plz, Clifton Park, NY 12065Directions
- Delmar Branch164 Delaware Ave, Delmar, NY 12054Directions
- East Greenbush Branch580 Columbia Tpke, East Greenbush, NY 12061Directions
- Latham Branch882 New Loudon Rd, Latham, NY 12110Directions
- Loudonville Branch265 Osborne Rd, Loudonville, NY 12211Directions
- Niskayuna / Hannaford Branch3333 Consaul Rd, Niskayuna, NY 12304Directions
- Saratoga Branch1 Ballston Ave, Saratoga Springs, NY 12866Directions
- Rotterdam Branch1725 Altamont Ave, Schenectady, NY 12303Directions
- Slingerlands Branch1375 New Scotland Rd, Slingerlands, NY 12159Directions
- North Troy / Hannaford Branch9 126th St, Troy, NY 12182Directions
- N. Greenbush / Hannaford40 Main Ave, Wynantskill, NY 12198Directions
Kiryas Joel area · 6
- Beacon Branch344 Main St, Beacon, NY 12508Directions
- Dutchess Mall Branch463 Route 9, Fishkill, NY 12524Directions
- Middletown East Branch253 Route 211 E, Middletown, NY 10940Directions
- Meadow Hill Branch1416 Route 300, Newburgh, NY 12550Directions
- Red Oaks Mill Branch32 Vassar Rd, Poughkeepsie, NY 12603Directions
- Vails Gate Branch406 Route 32 Hwy, Vails Gate, NY 12584Directions
Syracuse area · 4
- Cicero Branch7941 Brewerton Rd, Cicero, NY 13039Directions
- Dewitt Branch6770 E Genesee St, Fayetteville, NY 13066Directions
- Liverpool Branch7541 Oswego Rd, Liverpool, NY 13090Directions
- Camillus Branch3524 W Genesee St, Syracuse, NY 13219Directions
Binghamton area · 3
- Binghamton West Branch247 Main St, Binghamton, NY 13905Directions
- Endicott Branch1001 North St, Endicott, NY 13760Directions
- Vestal East Branch3212 Vestal Pkwy E, Vestal, NY 13850Directions
Utica area · 2
- Utica Downtown90 N Genesee St, Utica, NY 13502Directions
- Whitesboro Branch89 Oriskany Blvd, Whitesboro, NY 13492Directions
Ithaca area · 1
- Ithaca Tops Branch2300 N Triphammer Rd, Ithaca, NY 14850Directions
Gloversville area · 1
- Johnstown17 S Market St, Johnstown, NY 12095Directions
Kingston area · 1
- Kingston Branch273 Wall St, Kingston, NY 12401Directions
Glens Falls area · 1
- Queensbury Branch771 Upper Glen St, Queensbury, NY 12804Directions
New Jersey
107 branchesOhio
68 branchesMichigan
61 branchesRhode Island
53 branchesNew Hampshire
40 branchesConnecticut
30 branchesDelaware
16 branchesVermont
10 branchesFlorida
8 branchesCalifornia
6 branchesMaryland
4 branchesVirginia
3 branchesDistrict of Columbia
1 branchWalk-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 | 9.39% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 1.36% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.99% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $79 | $85 | — |
- CapitalLeverage ratio9.39%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent1.36%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.99%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$79Peers’ 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 Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.