Q4 Earnings Metrics
Loans & Leases
Loans and leases were $142.7 billion, up from $139.2 billion in Q4 2024 and $140.9 billion in Q3 2025. Average loans also increased on a quarterly basis.
Deposits
Deposits grew to $183.3 billion from $174.8 billion a year earlier with average deposits up versus 3Q 2025 underpinning funding and lending capacity.
Credit Quality
Credit quality remained strong. Net charge‑offs were 0.43 % of average loans and leases versus 0.53 % in Q4 2024. The allowance for credit losses was about 1.53 % of loans and leases, slightly lower than prior year level while remaining well above net charge‑offs. Non-accrual loans as a percentage of total loans declined from a year earlier indicating fewer problem credits.
2025 Results
Year‑to‑date results for 2025 showed net income of roughly $1.83 billion and diluted earnings per share of $3.86, up from $3.03 in 2024 reflecting improved earnings power across the franchise. The efficiency ratio for the full year also trended lower indicating improved cost control relative to revenue growth.
Positive Quarterly Metrics
● Strong execution of growth strategies.
● Continued improvement in net interest margin.
● Growth in diversified fee‑based businesses
● Positive trends in credit quality and operating efficiency.
● Continued focus on returning capital to shareholders.
Dividend
Citizens’ board declared a quarterly common stock dividend of $0.46 per share reflecting continued return of capital to shareholders.