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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · South Dakota, the state note

Citibank National Association

Sioux Falls, South Dakota · $1976.18B in assets · beside the 10 other the Plains states banks over $10B (the state alone holds too few in the band to rank)

The filing

48.9%
Loans / deposits
2nd of 11
1.02%
ROA
10th of 11
3.3%
CRE / loans
3rd of 11

Citibank National Association is the largest of the 11 the Plains states banks over $10B, with $1976.18B in assets at 30 June 2026. Loans are 48.9% of deposits, 2nd of 11 against a median of 72.9%, and equity is 8.7% of assets, 8th of 11. Loans grew +8.5% in the year, 7th of 11, and deposits grew 9.5%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 0.66% of the book, 6th of 11 against a median of 0.66%; 0.42% is 30 to 89 days past due, and the allowance covers them 3.5 times. Net charge-offs are 1.03% of loans, 10th of 11. Commercial real estate is 3.3% of loans, 3rd of 11 against a median of 18.4%, and 21% of capital, below the 300% screen, with construction at 5% against the 100% screen.

Return on assets is 1.02%, 10th of 11 against a median of 1.36%, on an efficiency ratio of 51.7%, 7th of 11. Five years ago it was 1.37%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 72.9% AB Ameriprise Bank FSB 11.0% CN Citibank National Association 48.9% WF Wells Fargo Bank N.A. 63.8% UB UMB Bank National Association 68.4% CT Central Trust Bank 71.3% SB Stifel Bank 72.9% CB Commerce Bank 74.1% EB Enterprise Bank & Trust 80.8% SB Stifel Bank & Trust 86.9% FN First National Bank of Omaha 88.0% BB Bell Bank 107.0%
Loans, year over yearPlains states banks over $10B · 30 June 2026 · no better direction, largest first
median +8.8% AB Ameriprise Bank FSB +71.8% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% WF Wells Fargo Bank N.A. +11.5% BB Bell Bank +8.8% CN Citibank National Association +8.5% FN First National Bank of Omaha +6.9% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

Citibank National Association is the 41st largest 7(a) lender into Florida of 528, with $182M across 205 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 83 of its 134 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$95M15th of 2152.4%-2.7 pts
Broward, FL$78M9th of 2092.6%-1.3 pts
Los Angeles, CA$64M58th of 3080.3%-0.0 pts
Suffolk, NY$34M14th of 1741.9%+0.5 pts
Orange, CA$33M47th of 2560.4%+0.4 pts
Cook, IL$32M41st of 2820.5%-0.2 pts
New York, NY$32M21st of 2081.1%+0.4 pts
Kings, NY$23M31st of 1690.9%+1.4 pts
Nassau, NY$21M21st of 1711.2%+0.8 pts
Queens, NY$16M27th of 1550.8%-0.4 pts
Dallas, TX$15M72nd of 3140.3%-0.1 pts
Morris, NJ$15M17th of 1261.7%quiet FY2016
Riverside, CA$13M61st of 2190.4%+0.5 pts
121 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade247$261M38.9%1.02%21st of 1,651
Manufacturing130$78M11.6%0.20%90th of 2,246
Health care & social assistance237$70M10.5%0.15%99th of 2,172
Construction627$55M8.1%0.17%96th of 2,063
Professional & technical services272$53M7.9%0.16%86th of 1,955
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Citibank National Association
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans CN Citibank, N.A. 0.6% $182M · 205 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Citibank National AssociationRankCohort median
Total CRE against capital, the 300% screen21%3rd of 1195%
Construction against capital, the 100% screen5%3rd of 1136%
Construction and land development, share of loans1.1%3rd of 115.6%
Non-owner-occupied nonfarm nonresidential, share of loans1.2%3rd of 118.2%
Total CRE, the guidance definition, share of loans3.3%3rd of 1118.4%
CRE growth over 36 months, the third prong-1.4%4th of 10+2.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citibank National Association$1976.18B1.0%51.7%0.66%1.03%2.3%48.9%8.7%
Wells Fargo Bank N.A.$1907.93B1.4%55.0%1.04%0.40%1.4%63.8%8.9%
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
First National Bank of Omaha$34.20B1.8%48.1%0.78%1.86%4.0%88.0%11.7%
Ameriprise Bank FSB$25.48B3.0%10.1%0.18%0.10%0.5%11.0%5.8%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Bell Bank$15.18B0.9%70.7%0.90%0.02%1.0%107.0%9.7%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Citibank National AssociationCohort median
20212026Change20212026Change
Loans$654.57B$757.16B+16%$11.15B$15.22B+37%
Deposits$1328.46B$1547.59B+16%$14.35B$23.94B+67%
NPA / loans0.87%0.66%-0.21 pts0.23%0.66%+0.43 pts
Efficiency57.2%51.7%-5.5 pts55.0%51.4%-3.6 pts
ROA1.37%1.02%-0.36 pts1.43%1.36%-0.07 pts

This read was prepared for Citibank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Citibank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks over $10B
Institution www.citibank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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