Every 10-Q that Citizens Financial Group, Inc. (CFG) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CFG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFG filings page.
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 delivered stronger profitability in the quarter ended March 31, 2026. Net income reached $517 million, up $144 million year over year, with diluted EPS rising $0.36 to $1.13. Net interest income grew to $1.6 billion and net interest margin improved to 3.14%, helped by better funding costs and runoff of higher-cost auto-related funding.
Noninterest income rose to $606 million, driven by higher capital markets and wealth fees, while noninterest expense increased to $1.38 billion as the company invested in its Private Bank and Private Wealth expansion. The efficiency ratio improved to 63.6%, and ROTCE increased to 12.2%. Loans rose to $143.7 billion, deposits to $184.0 billion, and total assets to $227.9 billion.
Credit quality remained solid, with the allowance for credit losses at $2.2 billion (1.52% of loans and leases) and a net charge-off ratio of 0.39%. Citizens completed the Matrix Capital advisory acquisition, repurchased $300 million of common stock, and issued $400 million of subordinated notes and $750 million of senior notes. Regulatory capital remained comfortably above requirements, with a CET1 capital ratio of 10.5% and contingent liquidity of about $73.7 billion.
Citizens Financial Group reports stronger performance for the quarter and nine months ended September 30, 2025, with solid credit quality and robust capital and liquidity.
Net income reached $494 million for the quarter and $1.3 billion year-to-date, up $112 million and $195 million from 2024, as diluted EPS rose to $1.05 and $2.74. Net interest income grew to $1.5 billion in the quarter and $4.3 billion year-to-date, helped by lower funding costs and a higher net interest margin, which improved to 3.00% in the quarter on a fully taxable-equivalent basis.
Noninterest income increased to $630 million for the quarter, driven by higher wealth, mortgage banking, capital markets, and service charge fees. Credit costs eased, with provision expense down versus 2024 and nonaccrual loans declining to $1.5 billion, or 1.08% of loans. Capital remained strong, with a CET1 ratio of 10.7% and ROTCE of 11.75% for the quarter, while tangible book value per share rose 14% since year-end 2024. The company continued portfolio simplification through a $1.9 billion education loan sale, repurchased $475 million of common stock year-to-date, and issued $400 million of new Series I preferred stock while redeeming higher-cost Series F preferred.