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Citizens Financial Group, Inc. generated net income of $587 million for the quarter and $1.1 billion for the first six months ended June 30, 2026, up $151 million and $295 million from a year earlier, with diluted EPS rising to $1.30 and $2.42. Net interest income grew to $1.6 billion for the quarter and $3.2 billion year to date as net interest margin improved to 3.16% and 3.15%, driven by higher interest-earning assets, wider spreads, terminated swaps, and fixed-rate asset repricing. Noninterest income increased to $652 million in the quarter on stronger capital markets and wealth fees, partly offset by weaker mortgage banking results.
Total assets reached $233.8 billion, deposits were $185.6 billion, and loans and leases were $147.5 billion at June 30, 2026, reflecting growth in commercial, home equity, and mortgage lending, including the Private Bank. Credit quality remained solid: the net charge-off ratio fell to 0.37% for the quarter and nonaccrual loans and leases declined to $1.4 billion, or 0.97% of loans, while the allowance for credit losses was $2.2 billion, or 1.48% of loans. The efficiency ratio improved to 61.1% and ROTCE to 13.9%. Capital and liquidity were robust, with a CET1 capital ratio of 10.4% at the holding company, 11.9% at the bank, contingent liquidity of $70.2 billion, and total available liquidity of approximately $89.4 billion. The company repurchased $225 million of common stock in the quarter and issued $400 million of 6.750% Series J preferred stock, intending to redeem some or all Series G preferred shares.
CITIZENS FINANCIAL GROUP INC/RI Chairman and CEO Bruce Van Saun reported multiple Common Stock transactions dated July 24, 2026. He sold 129,369 shares at a weighted average price of $72.07 per share, with individual trades ranging from $71.85 to $72.32. He also made bona fide gifts totaling 38,350 shares, including 20,850 shares to a donor-advised fund for charitable purposes and 17,500 shares to an irrevocable Spousal Lifetime Access Trust for his spouse and descendants, for which he disclaims beneficial ownership; 17,500 shares are reported as held indirectly in that trust.
CFG filed a notice for a proposed sale of common stock through Fidelity Brokerage Services LLC on the NYSE. The filing lists 129,369 common shares with an associated value of $9,323,229.11, alongside a figure of 422,881,942 shares as contextual issuer information.
The notice also details prior equity awards: restricted stock vesting as compensation of 53,193 shares on March 1, 2022, 8,348 shares on March 2, 2022, and 67,828 shares on March 1, 2025, all issued by the company.
Citizens Financial Group, Inc. is conducting a primary offering of a new series of Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series J, with a $1,000 liquidation preference per share. Dividends are payable quarterly, only when and if declared, at a fixed rate until October 6, 2031, then reset every five years to the Five-year U.S. Treasury Rate plus a spread.
The Series J Preferred Stock is perpetual equity, non-cumulative, ranks junior to all indebtedness and effectively junior to obligations of subsidiaries, and has no voting rights except in limited circumstances. Citizens may redeem the shares on any dividend payment date on or after October 6, 2031, or earlier upon a Regulatory Capital Treatment Event, in each case at $1,000 per share plus declared and unpaid dividends. Net proceeds are expected to be used to redeem some or all of the outstanding Series G Preferred Stock and for general corporate purposes. Citizens reported $227.9 billion of assets as of March 31, 2026, and the Series J Preferred Stock will qualify as Tier 1 capital subject to evolving regulatory capital rules.
Citizens Financial Group reported strong second-quarter 2026 results, with diluted EPS of $1.30 and net income of $587 million, up 41% and 35% year over year, respectively. Total revenue was $2.28 billion, up 12%, driven by 14% higher net interest income and 9% higher noninterest income.
Pre-provision profit reached $889 million, up 24% year over year, while net interest margin on a fully taxable-equivalent basis improved to 3.17%. Period-end loans grew to $147.5 billion and deposits to $185.6 billion. Credit quality remained favorable, with net charge-offs at 0.37% and nonaccrual loans at 0.97% of loans.
The company maintained solid capital and shareholder returns, with a CET1 ratio of 10.4%, tangible book value per share of $38.29, total capital returned to shareholders of $422 million, and a quarterly common dividend of $0.46 per share. Citizens also launched a proposed public offering of Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series J, and intends, if the offering prices and closes, to use net proceeds to redeem some or all of its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G, on October 6, 2026, subject to market conditions and other considerations.
Citizens Financial Group reported strong second quarter 2026 results, with net income of $587 million, up 35% year-over-year, and diluted EPS of $1.30, up 41% year-over-year and 15% sequentially. Total revenue was $2.283 billion, up 12% year-over-year, as net interest income rose 14% and noninterest income 9%. Pre-provision profit reached $889 million, up 24% year-over-year, delivering positive operating leverage of 6.4%.
Asset growth remained solid, with period-end loans and leases of $147.5 billion and deposits of $185.6 billion, both up 6% year-over-year. Credit quality was favorable: the net charge-off ratio was 0.37% and nonaccrual loans were 0.97% of loans, while the allowance for credit losses was 1.48% of loans and 152% of nonaccruals. Capital stayed robust with a CET1 ratio of 10.4% and tangible book value per share of $38.29, up 9% year-over-year. Citizens declared a quarterly common dividend of $0.46 per share and returned $422 million to shareholders through dividends and buybacks in the quarter.
CITIZENS FINANCIAL GROUP INC/RI Chief Risk Officer Richard L. Stein reported a tax-related share disposition. On this Form 4, he transferred 4,913 shares of Common Stock at an indicated value of $67.65 per share to cover tax obligations, a type of non-market transaction.
After this tax-withholding disposition, he directly holds 84,633 shares of Citizens Financial Group common stock. The filing shows a routine compensation-related adjustment rather than an open-market purchase or sale.
Leary Robert G reported acquisition or exercise transactions in this Form 4 filing.
Citizens Financial Group director awarded additional restricted stock units
Citizens Financial Group director Robert G. Leary received 250.55 shares of Common Stock on May 14, 2026 as a grant classified as restricted stock units. The award was credited following the company’s dividend payment under the non-employee directors compensation plan, bringing his direct holdings to 33,573.665 shares.