Citizens Financial : 4Q25 Pillar 3 Regulatory Disclosures

Pillar 3 Regulatory Disclosures For the quarterly period ended December 31, 2025

Published on Feb. 12, 2026

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Citizens Financial Group, Inc. is one of the nation's oldest and largest financial institutions, with $226.4 billion in assets as of December 31, 2025. Headquartered in Providence, Rhode Island, we offer a broad range of retail, private banking, wealth management, and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions.

Why it matters

CFG and CBNA are subject to capital adequacy and liquidity standards. If CFG or CBNA fail to meet these standards, it could have an adverse effect on our financial condition and operations.

The details

CFG is a "standardized approach" and "AOCI opt-out" reporting institution under the U.S. Basel III Standardized framework. Applicable statutes and regulations may restrict transfers of funds and capital between CFG, CBNA, and all entities as affiliates. CFG and CBNA are subject to capital adequacy and liquidity standards, and if they fail to meet these standards, it could have an adverse effect.

  • As of December 31, 2025, our regulatory capital instruments consisted of common equity that qualifies as CET1 capital, preferred stock that qualifies as additional tier 1 capital, and subordinated debt that qualifies as tier 2 capital.

The players

Citizens Financial Group, Inc.

A financial holding company and a BHC, regulated and supervised by the FRB.

Citizens Bank, National Association

The primary regulator and supervisor for CBNA is the OCC.

Federal Reserve

The Board of Governors of the Federal Reserve System and, as applicable, Federal Reserve Bank(s).

Federal Deposit Insurance Corporation

The FDIC is one of the Prudential Banking Regulators.

Office of the Comptroller of the Currency

The OCC is one of the Prudential Banking Regulators and the primary regulator and supervisor for CBNA.

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The takeaway

CFG and CBNA must maintain strong capital adequacy and liquidity to comply with regulatory standards and avoid adverse effects on their financial condition and operations.