Citizens Bank on 97 Lowell Rd in Concord, Massachusetts (MA)

Citizens Bank on 97 Lowell Rd in Concord, MA

Welcome to Citizens Bank (B2B Banks - ATMs) on 97 Lowell Rd in Concord, Massachusetts. This bank is listed on Bank Map under Banks - B2B Banks - ATMs. You can reach us on phone number (617) 551-6188. Our office is located on 97 Lowell Rd, Concord, MA.

Popular links

Tell us you're traveling

Citizens Bank Branch Overview

Available accounts

CDs
Checking
Credit Cards
Debit Cards
IRAs
Savings

Contact details

Address
Citizens Bank
97 Lowell Rd, Concord
01742 MA, USA

Call Us
(617) 551-6188

For full contact details (including navigation data) to this bank have a look at the the column to your right (or scroll if you're viewing this on a mobile device.)

Other banks near 97 Lowell Rd

Bank of America on 52 Main St (1.2 miles away)
Citizens Bank on 97 Lowell Rd (1.2 miles away)
Citizens Bank on 1134 Main St (1.2 miles away)
Bank of America on 145 Lincoln Rd (3.4 miles away)
Bank of America on 152 Great Rd (4.3 miles away)
Citizens Bank on 287 Great Rd (4.3 miles away)
Sovereign Bank on 94 Great Rd (4.3 miles away)
Bank of America ATM on 7 Westford St (4.6 miles away)
Bank of America on 271 Great Rd (4.6 miles away)
Td Bank on 380 Washington St (4.6 miles away)
Sovereign Bank on 277 Linden St, #B (4.6 miles away)
Sovereign Bank on 35 Austin St (4.6 miles away)
Bank of America ATM on 422 Massachusetts Ave (4.6 miles away)
Citizens Bank on 270 Great Rd (4.6 miles away)
Sovereign Bank on 307 Main St (4.6 miles away)
Sovereign Bank on 409 Massachusetts Ave (4.6 miles away)
Bank of America on 2 Summer St (5.3 miles away)
Peoples United Bank on 10 George St, #1 (5.5 miles away)
Sovereign Bank on 5 Billerica Rd (5.5 miles away)
Td Bank on 1840 Massachusetts Ave, #1 (5.5 miles away)

This Citizens Bank is located nearby...

Not sure where Citizens Bank on 97 Lowell Rd is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

Concord, Massachusetts (0.28 miles away / 6 min walk)
Emerson Hospital (1.45 miles away / 29 min walk)
Concord's Colonial Inn (0.21 miles away / 4 min walk)
Old North Bridge (0.47 miles away / 9 min walk)
Old North Bridge (0.37 miles away / 7 min walk)
Louisa May Alcott's Orchard House (0.92 miles away / 18 min walk)
Concord Academy (0.34 miles away / 7 min walk)
Great Meadows National Wildlife Refuge (1.39 miles away / 28 min walk)
80 Thoreau (0.56 miles away / 11 min walk)
The Old Manse (0.35 miles away / 7 min walk)

Corporate overview

Founded in 1904, Citizens Bank is one of the 15 largest commercial banking companies in the United States. Citizens Bank have over 1000 branches and 3500 ATMs and about 16,000 employees in 12 states.

Total employees

15,442

Total branches

1,027

Total deposits

$76.6 billion (The total dollar amount of cash deposits held by Citizens Bank end of last financial quarter.)

Total loans

$72.4 billion (The total dollar amount of loans held by Citizens Bank end of last financial quarter.)

FDIC

57957

Year founded

1904

Financial Strength

Texas Ratio

7.67%

Deposit Growth

0.036%

Core Capitalization Ratio

11.41%

Citizens Bank Financial Statement

RBS Citizens, National Association
One Citizens Plaza
Providence, Rhode Island 02903
FDIC Certificate #57957
Financial Summary as of 6/30/2013
Source: FDIC Statistics on Depository Institutions
*(All Numbers in Thousands)*
TOTAL ASSETS	$103,028,520
Cash and Due from Depository Accounts	$7,959,863
Interest-Bearing Balances	$6,982,142
Securities	$10,134,425
Federal Funds Sold and Reverse Repurchase Agreements	$0
Net Loans and Leases	$71,401,619
Total Loans	$72,407,900
Loan Loss Allowance	($1,006,256)
Trading Account Assets	$610,993
Bank Premises and Fixed Assets	$528,489
Other Real Estate Owned	$59,074
Goodwill and Other Intangibles	$9,525,922
All Other Assets	$3,488,419
TOTAL LIABILITIES	$84,238,607
Total Deposits	$76,635,624
Interest-Bearing Deposits	$53,387,733
Deposits Held in Domestic Offices	$75,918,962
% Insured	61.62%
Federal Funds Purchased and Repurchase Agreements	$4,497,135
Trading Liabilities	$535,787
Other Borrowed Funds	$246,356
Subordinated Debt	$260,000
All Other Liabilities	$2,063,705
TOTAL EQUITY	$18,789,913
Total Bank Equity Capital	$18,789,913
Perpetual Preferred Stock	$75
Common Stock	$1
Surplus	$16,360,719
Undivided Profits	$2,429,118
Noncontrolling Interests in Consolidated Subsidiaries	$0

INCOME AND EXPENSE
Net Interest Income	$1,246,489
Total Interest Income	$1,449,806
Total Interest Expense	($203,317)
Provision For Loan and Lease Losses	($190,733)
Total Noninterest Income	$646,032
Fiduciary Activities	$11,410
Service Charges on Deposit Accounts	$188,746
Trading Account Gains and Fees	$29,255
Additional Noninterest Income	$416,621
Total Noninterest Expense	($1,281,606)
Salaries and Employee Benefits	($717,787)
Premises and Equipment Expense	($246,023)
Additional Noninterest Expense	($317,796)
Pre-Tax Net Operating Income	$420,182
Securities Gains (Losses)	$41,952
Applicable Income Taxes	$159,075
Income Before Extraordinary Items	$303,059
Extraordinary Gains - Net	$0
Net Income Attributable to Bank	$303,059
Net Income Attributable to Noncontrolling Interests	$0
Net Income Attributable to Bank and Noncontrolling Interests	$303,059
Net Charge-Offs	$220,111
Cash Dividends	$75,000
Sale, Conversion, Retirement of Capital Stock, Net	$0
Net Operating Income	$275,370

PERFORMANCE AND CONDITION RATIOS
Performance Ratios (%, Annualized)
Yield on Earning Assets	3.27%
Cost of Funding Earning Assets	0.46%
Net Interest Margin	2.81%
Noninterest Income to Average Assets	1.24%
Noninterest Expense to Average Assets	2.46%
Net Operating Income to Assets	0.53%
Return on Assets (ROA)	0.58%
Pretax Return on Assets	0.89%
Return on Equity	3.22%
Retained Earnings to Average Equity (YTD only)	2.42%
Net Charge-offs to Loans	0.61%
Credit Loss Provision to Net Charge-offs	86.65%
Earnings Coverage of Net Loans Charge-Offs	2.78(x)
Efficiency Ratio	67.72%
Assets per employee ($ millions)	$6.672
Cash Dividends to Net Income (YTD only)	24.75%
Condition Ratios (%)
Loss Allowance to Loans	1.4%
Loss Allowance to Noncurrent Loans	67.34%
Noncurrent Assets Plus Other Real Estate Owned to Assets	1.51%
Noncurrent Loans to Loans	2.08%
Net Loans and Lease to Deposits	92.28%
Net Loans and Leases to Core Deposits	95.03%
Equity Capital to Assets	18.24%
Core Capital Ratio	11.41%
Tier 1 Risk-based Capital Ratio	12.86%
Total Risk-based Capital Ratio	14.4%

OTHER KEY FIGURES
Asset-Side
Average Assets	$104,322,425
Average Earning Assets	$88,686,828
Average Loans	$72,634,518
Noncurrent Loans and Leases	$1,494,342
Noncurrent Loans that are Wholly or Partially Guaranteed by the U.S. Government	$88,778
Income Earned, Not Collected on Loans	$267,547
Earning Assets	$87,837,902
Long-Term Assets (5+ Years)	$28,195,376
Average Assets, YTD	$104,322,425
Average Assets, 2 Year	$104,071,640
Total Risk Weighted Assets	$79,191,477
Adjusted Average Assets for Leverage Capital Purposes	$89,265,059
Life Insurance Assets	$914,651
General Account Life Insurance Assets	$152,398
Separate Account Life Insurance Assets	$224,129
Hybrid Account Life Insurance Assets	$538,124
Insider Loans	$1,588
Loans and Leases Held For Sale	$428,973
Liability-Side
Volatile Liabilities	$5,829,792
FHLB Advances	$26,287
Unused Loan Commitments	$40,473,077
Total Unused Commitments	$40,473,077
Equity-Side
Average Equity	$18,834,903
Tier 1 (core) Risk-Based Capital	$10,186,900
Tier 2 Risk-Based Capital	$1,250,895
Derivatives	$40,622,264

Routing numbers

Citizens Bank Concord routing numbers are listed on this site along with more information about how to find your routing number. Call Citizens Bank for more information about routing numbers.

Routing numbers to Citizens Bank in Concord are collected manually from the banks official website or provided by the Federal Reserve Financial Services Database.

Your Citizens Bank routing number is printed at the bottom of your checks. Its the the first 9 digit number.

routing	state
36076150	PA
42104469	KY
61203338	GA
64107729	TN
64205388	TN
64207946	TN
65304385	MS
73921048	IA
74905225	IN
81504172	MO
81507166	MO
81518524	MO
81905593	MO
82907736	AR
83903195	KY
83907722	KY
111922624	TX
123204013	OR

Job Openings

Open positions for Citizens Bank in Concord.

Consumer Complaint Stats

Product / Complaint category	Complaints in 2013
Bank account or service	3
Credit card	1
Mortgage	1

Citizens Bank Consumer Complaints (Massachusetts, 2013)

Average ratio for Citizens Bank: 1.25 complaints per branch.These numbers are gathered from the CFPB (Consumer Financial Protection Bureau) to give you a transparent overview of complaints Citizens Bank in Massachusetts received in 2013.

Having problems with your bank? File a bank account or service complaint here.

Citizens Bank Bank Hours (Business hours)

These are the bank hours for Citizens Bank. Call (617) 551-6188 to learn more about office hours. Please note that these bank hours are general and other hours of operation may apply on certain holidays.

Mon: 8:30AM-5PM,
Tue: 8:30AM-5PM,
Wed: 8:30AM-5PM,
Thu: 8:30AM-5:30PM,
Fri: 8:30AM-6PM,
Sat: na,
Sun: na

Fees, interest rates and costs

There's currently no additional information available about fees or rates for Citizens Bank.

Ask a question or leave a comment

We'd love to hear about your experience. Did you suffer through long waiting times, unprofessional staff or high fees or were you treated with great customer service, the business hours you were expecting and a great overall experience? This is your chance to share your thoughts about this branch and help other consumers get the best banking experience in your city.

0 Comments, Questions or Reviews - Add

Be the first person to leave a comment, ask a question or review this bank.

California	New York
Texas	Florida
Pennsylvania	New Jersey
Massachusetts	Illinois
Ohio	Georgia

New York, NY	Houston, TX
Washington, DC	Atlanta, GA
Chicago, IL	Dallas, TX
Miami, FL	Denver, CO
Los Angeles, CA	Philadelphia, PA

Citizens Bank
on 97 Lowell Rd in Concord, MA