FinObservatory

SEC filings / CIK 759944

CITIZENS FINANCIAL GROUP INC/RI

State commercial banks, RI. 12 10-K filer-years in this dataset, the most recent for FY2025, filed Feb 12, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-5-4-3-2-101FY2014: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2016: HTM fair value less carrying amount, -0.1% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, -0.1% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -0.6% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +0.5% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -3.3% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -3.4% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -4.4% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -3.0% of reported stockholders’ equity141516171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 12 of this company’s 12 filings.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pFeb 12, 2026$226.35bn$183.31bn$26.32bn-$1.97bn$7.93bn$7.15bn-3.0%8.2%
2024Feb 13, 2025$217.52bn$174.78bn$24.25bn-$3.60bn$8.60bn$7.54bn-4.4%9.2%
2023Feb 16, 2024$221.96bn$177.34bn$24.34bn-$3.76bn$9.18bn$8.35bn-3.4%10.1%
2022Feb 17, 2023$226.73bn$180.72bn$23.69bn-$4.56bn$9.83bn$9.04bn-3.3%9.8%
2021Feb 23, 2022$188.41bn$154.36bn$23.42bn-$665.0m$2.24bn$2.29bn+0.2%8.4%
2020Feb 23, 2021$183.35bn$147.16bn$22.67bn-$60.0m$3.23bn$3.36bn+0.5%8.4%
2019Feb 24, 2020$165.73bn$125.31bn$22.20bn-$411.0m$3.20bn$3.24bn+0.2%8.4%
2018Feb 21, 2019$160.52bn$119.58bn$20.82bn-$1.10bn$4.17bn$4.04bn-0.6%5.2%
2017Feb 22, 2018$152.34bn$115.09bn$20.27bn-$820.0m$4.68bn$4.67bn-0.1%7.4%
2016Feb 24, 2017$149.52bn$109.80bn$19.75bn-$668.0m$5.07bn$5.06bn-0.1%10.0%
2015Feb 26, 2016$138.21bn$102.54bn$19.65bn-$387.0m$5.26bn$5.30bn+0.2%12.0%
2014Mar 3, 2015$132.86bn$95.71bn$19.27bn-$372.0m$5.15bn$5.19bn+0.2%13.5%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.