Group 1 - Citizens Financial Group, Inc. is one of the nation's oldest and largest financial institutions with $226.4 billion in assets as of December 31, 2025 [2] - The company offers a broad range of retail, private banking, wealth management, and commercial banking products and services to various customer segments including individuals, small businesses, middle-market companies, large corporations, and institutions [2] - Citizens provides an integrated experience in Consumer Banking, which includes mobile and online banking, a full-service customer contact center, and approximately 3,100 ATMs and 1,000 branches across 14 states and the District of Columbia [2] Group 2 - In Commercial Banking, Citizens offers a wide array of financial products and solutions such as lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities [2] - The company emphasizes understanding customer needs to provide tailored advice, ideas, and solutions [2]

Core Perspective - Citizens has launched its ninth annual Small Business Community Champion Award Contest to support small businesses and promote economic growth [1] Group 1: Program Details - The contest aims to recognize and empower business owners who contribute to strengthening neighborhoods [1] - This year, 20 small businesses will each receive $10,000 in funding [1]

Core Viewpoint - Citizens Financial Group, Inc. (CFG) is expected to report an increase in fourth-quarter and 2025 earnings and revenues compared to the previous year [1][10] Financial Performance Expectations - CFG's net interest income (NII) is projected to rise by 2.5-3% sequentially in Q4 2025, with a Zacks Consensus Estimate of $1.53 billion, reflecting a 2.7% increase from the prior quarter [4] - The average interest-earning assets are estimated at $199.9 billion, indicating a 1.2% rise from the previous quarter [5] - The consensus estimate for fourth-quarter earnings is $1.11 per share, representing a 30.6% increase year-over-year, while revenues are expected to reach $2.15 billion, an 8.2% rise from the previous year [15] Income Sources - Non-interest income is anticipated to be flat, with mortgage banking fees estimated at $51.5 million, a 5.1% decline from the prior quarter [7] - Trust and investment services fees are expected to increase to $96.3 million, a 3.5% rise from the previous quarter [8] - Service charge and fee revenues are projected at $114.9 million, reflecting a 2.6% increase from the prior quarter [9] - Card fees are estimated at $89.6 million, indicating a 2.9% rise from the previous quarter [11] Expense and Asset Quality Outlook - Adjusted non-interest expenses are expected to be stable or slightly up due to the opening of private banking offices and investments in technology [12] - The Zacks Consensus Estimate for non-accrual loans is pegged at $1.57 billion, indicating a sequential rise of 3.3% [13] 2025 Outlook - Management anticipates NII to rise by 3-5% from $5.6 billion in 2024, with a net interest margin (NIM) expected to be 3% [16] - Average loans are projected to decrease by 2-3% from $139.2 billion in 2024, while average earnings assets are forecasted to fall by 1% from $198.1 billion [16] - Non-interest income is expected to increase by 8-10% from $2.6 billion reported in 2024 [16] - Adjusted non-interest expenses are projected to grow by 4% from $5.1 billion in 2024 [17]

Core Viewpoint - First Citizens BancShares, Inc. announces the retirement of Lorie K. Rupp as Executive Vice President and Chief Risk Officer, effective June 1, 2026, with Tom Eklund set to succeed her, ensuring a smooth transition in leadership [1][2]. Group 1: Leadership Transition - Lorie K. Rupp has served as Chief Risk Officer since March 2017, significantly enhancing the company's risk management framework during a period of growth [2]. - Tom Eklund, a 20-year veteran of First Citizens Bank and current Treasurer, will take over as Chief Risk Officer, bringing extensive experience in managing various risks [1][3]. Group 2: Company Background - First Citizens BancShares, Inc. is a top 20 U.S. financial institution with over $200 billion in assets and is a member of the Fortune 500 [4]. - The company offers a wide range of banking services, including commercial banking, innovation banking, and a nationwide direct bank [4].

Core Viewpoint - Citizens Financial Group has announced a change in the date and time for its fourth quarter and full year 2026 conference call to discuss financial results [1] Group 1 - The conference call is now scheduled for 9:00 a.m. Eastern Time (ET) on Friday, January 15, 2027 [1] - A press release reporting the financial results will be issued at approximately 6:20 a.m. ET on the same day [1] - The news release will be accessible at the company's investor relations website [1]

Core Insights - Citizens State Bank is partnering with MANTL to enhance its retail and business deposit account opening processes, aiming for a unified platform to improve customer experience and operational efficiency [1][2][4] Company Overview - Citizens State Bank is a family-owned community bank in Indiana, established in 1873, focusing on combining traditional banking values with modern technology to provide financial solutions [6][7] Partnership Details - The partnership with MANTL will allow Citizens State Bank to automate over 85% of application decisions, including KYC, AML, and BSA checks, thereby reducing manual processes and accelerating growth [3] - MANTL's technology will enable a consistent and streamlined account opening experience across all channels, enhancing efficiency for staff and simplicity for customers [2][4] Technology and Innovation - MANTL's solutions allow consumers to open new deposit accounts in under five minutes and businesses in under ten minutes, significantly improving the account opening experience [5] - The integration of MANTL's platform with Alkami's existing services will further enhance the bank's digital capabilities [4]

Group 1 - The conference call will take place at 9:00 am ET with dial-in options for participants [1] - Individuals can ask questions by calling 800-369-1703, while a listen-only line is available at 800-475-8432 [1] - The live webcast of the conference call can be accessed through the company's investor relations website [1] Group 2 - A replay of the conference call will be available starting at 12:00 pm ET on January 21, 2026, until February 21, 2026 [2] - The webcast replay can also be found on the company's investor relations website under Events & Presentations [2]

Core Viewpoint - First Citizens BancShares, Inc. will report its financial results for the quarter ended December 31, 2025, on January 23, 2026, before U.S. financial markets open [1] Group 1: Financial Results Announcement - The financial results will be discussed in a conference call and webcast scheduled for 9 a.m. Eastern time on the same day [1] - The conference call and webcast may include forward-looking statements and other material information [1] Group 2: Pre-registration and Access Information - Investors can pre-register for the call via a recommended webcast link [2] - A confirmation email with details will be sent after registration [2] - Telephone access is available for North America and other locations with specific dialing instructions provided [2] Group 3: Company Overview - First Citizens BancShares, Inc. is a top 20 U.S. financial institution with over $200 billion in assets and is a member of the Fortune 500 [3] - The company serves as the financial holding company for First-Citizens Bank & Trust Company, headquartered in Raleigh, N.C. [3] - First Citizens offers a range of banking services, including commercial banking, innovation banking, and a nationwide direct bank [3]

Core Viewpoint - Citizens Financial Group, Inc. has been awarded Bank of the Year 2025 for the U.S. by The Banker, marking the second time the company has received this recognition, previously honored in 2022 [1] Group 1 - The award highlights Citizens' strong customer relationships as a key differentiator from competitors [1] - The Banker noted the company's steady and sustainable growth potential as a significant factor in its recognition [1]

Group 1 - First Citizens Bank has appointed Snow Holding as Director and Market Leader of Middle Market Banking for the Northeast, focusing on business expansion in Boston and New York [1] - Holding has a six-year tenure at First Citizens, previously serving in Deposit and Treasury Services and as Manager of Business Banking in Boston [1] - The bank's middle market banking practice has been operational in the Northeast for two years, targeting clients with revenues above $75 million [2] Group 2 - First Citizens Bank aims to enhance its Business, Commercial, and Wealth presence in the Northeast region, with plans for further market expansion [2] - The bank offers a comprehensive suite of products and services designed for middle market clients, emphasizing a high-touch client-centric banking experience [2] - First Citizens BancShares, Inc. is a top 20 U.S. financial institution with over $200 billion in assets, providing a wide range of banking services nationwide [3]