Citizens Bank

34.5 percent of deposits exceed the FDIC insurance limit, better than 11.8 percent of banks under $300 million in assets. A lower uninsured share means less depositor money could face losses if the institution closes.

Commercial real estate loans equal 4.0 percent of total risk-based capital, covering construction, non-owner-occupied commercial and multifamily loans but excluding owner-occupied property; the ratio can exceed 100 percent. 89.1 percent of similar banks have a higher concentration; losses in one lending type can affect more of the bank’s finances at once.

0.0 percent of total assets is tier 1 capital, meaning funds provided by the bank’s owners rather than deposits and borrowings. Its core capital ratio is better than 0.0 percent of similar banks, providing a larger cushion to absorb losses before depositors are affected.

Brokered deposits, gathered through third-party deposit brokers, make up 0.0 percent of total deposits and are sensitive to interest rates. 64.3 percent of similar banks have a higher share, though some banks use this funding deliberately.

Return on assets is -10.00 percent, measuring annualized net income as a share of average assets. This return is better than 0.5 percent of similar institutions, while profits add to capital and losses reduce it.