Citibank, National Association

5800 S Corporate Place
Sioux Falls, SD 57108

Phone 800 374 9700

Notable Rates APY Vs.Others
Savings 0.04% 2.10% →
1-Year CD 0.25% 2.02% →
2-Year CD 0.25% 2.02% →
5-Year CD 0.25% 2.02% →
30-Year Mortgage 3.88% 3.03% →
15-Year Mortgage 3.37% 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Bank Information

Citibank, National Association is an FDIC insured institution located in Sioux Falls, SD. It was founded in 1812 and has approximately $1472.92 billion in assets. Customers can open an account at one of its 1,097 branches.

FDIC Insured Yes
FDIC Certificate # 7213
Date Established 1812
Assets $1,472.92 billion
Loans $648.95 billion
Deposits $1,102.00 billion
Capital $150.13 billion

For a more detailed analysis of Citibank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - March 30, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
3 Mo CD
0.05% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
0.25% $10,000 $24,999 Learn MoreShow Less

Fixed IRA
0.50% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.03% $1 $24,999 Learn MoreShow Less

Online Only Savings Rates of Citi Accelerate

Online Savings Rates APY MIN MAX
Checking Rates APY MIN FEE
Basic Banking Account 0.00% $1,500 $12.00 Learn MoreShow Less
The Citibank Account 0.00% $10,000 $25.00 Learn MoreShow Less
Citigold 0.05% $200,000 $0.00 Learn MoreShow Less

Citibank, National Association often runs savings promotions for new accounts.
See Citibank, National Association current offers here

Bank Online Offers

Loan Rates - March 30, 2020

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Citibank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Citibank, National Association Locations

Financial Details

Citibank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citibank, National Association. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citibank, National Association U.S. Bank Average
3.46% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Citibank, National Association had $5,515,000,000 in non-current loans and $61,000,000 in owned real estate. To cover these potential losses it had $150,128,000,000 in equity and $10,837,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.46%.

Return on Equity
Citibank, National Association U.S. Bank Average
11.65% 9.72%

Citibank, National Association has a Return on Equity of 11.65% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Citibank, National Association U.S. Bank Average
10.19% 12.89%

Citibank, National Association has a Capitalization of 10.19% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citibank, National Association Balance Sheet Analysis

As of September 30, 2019, Citibank, National Association had assets of $1,472,915,000,000, loans of $648,950,000,000, and deposits of $1,102,003,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $214.87 billion
Interest-bearing balances $193.17 billion
Total securities $320.83 billion
Federal funds sold and reverse repurchase $71.75 billion
Net loans and leases $648.95 billion
Loan loss allowance $10.84 billion
Trading account assets $118.72 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.06 billion
Goodwill and other intangibles $14.78 billion
All other assets $71.02 billion
     Total Assets $1,322.79 billion
Total deposits $1,102.00 billion
      Interest-bearing deposits $935.79 billion
      Deposits held in domestic offices $545.73 billion
      % insured (estimated) 19.87%
Federal funds purchased and repurchase agreements $12.54 billion
Trading liabilities $51.86 billion
Other borrowed funds $95.40 billion
Subordinated debt $12.00 billion
All other liabilities $48.99 billion
      Total Liabilities $1,322.79 billion
      Shareholders’ Equity $150.13 billion

Summary Income Statement

September 30, 2019
Total Interest Income $44.79 billion
Total Interest Expense $13.14 billion
Net interest income $31.65 billion
Provision for loan and lease losses $5.19 billion
Total non interest income $11.20 billion
Total non interest expense $21.79 billion
Pre-tax Net Operating Income $15.88 billion

Bank Loan Profile?

The top three loan types in Citibank, National Association’s loan portfolio are Commercial and Industrial Loans, Credit Card Loans, and 1-4 Family Residential Loans.

Compared to other banks in South Dakota, Citibank, National Association has a significantly higher percent of Credit Card Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.60
Credit Card Loans 23.57
Consumer Auto Loans 0.00
Small Business Loans 0.04
Construction and Development Loans 0.79
Commercial Real Estate 1.77
Commercial and Industrial Loans 26.39
Farm Loans 0.07

Frequently Asked Questions About Citibank

Branches and Savings

Is Citibank FDIC insured?

Yes. It is covered under FDIC Certificate #7213.

Why does Citibank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citibank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citibank a commercial bank?


Where are Citibank locations?

See branch locations nearby.

Is Citibank open on Saturdays?

Is Citibank open on Sundays?

What time does Citibank open?

What time does Citibank close?

Are Citibank ATMs Open 24/7?

Do Citibank ATMs accept cash deposits?

Can Citibank customers use other ATMs?

Do Citibank branches have notaries?

Will Citibank notarize my document?

What address for Citibank should I put for incoming ACH transfers?

Will the Citibank branch print checks?

Do Citibank checks expire?

Does Citibank require US citizenship to open account?

Can Citibank close my account?

Does Citibank Report to credit bureaus?

If you apply for a credit card with Citibank, you should expect that the bank will check with and report to all three major credit rating bureaus.

Does Citibank Use Equifax?


What is Citibank's ACH Routing Number?


What is Citibank's SWIFT code?

Citibank's SWIFT code CITIUS33 should be used for incoming wires in U.S. dollars. Bank of America's SWIFT code CITIGB2L should be used for incoming wires in foreign currency.


Does Citibank offer mortgages?

Compare mortgage rates here.

Does Citibank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citibank offer personal loans?

Compare personal loan rates here.

Does Citibank offer student loans?

Will Citibank cash a check?

Will Citibank redeem a savings bond?

Does Citibank cash savings bonds?

Will Citibank cash money orders?

Can Citibank issue a money order?

Does Citibank do currency exchange?

Background on The Bank

Who owns Citibank?

Citibank is a publicly traded company on the NYSE trading under the ticker 'C'.

How long has Citibank been around?

Can Citibank transfer to other banks?

Does Citibank have quick pay?

Does Citibank accept rolled coins?

Will Citibank accept loose change?

Where is Citibank headquarters?

Citibank registers its legal headquarters in Sioux Falls, SD, but the bank is operated from New York.

Customer Reviews for Citibank, National Association

There are currently no comments for Citibank, National Association. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →