Citizens Bank on 645 Center St in Ludlow, Massachusetts (MA)

Citizens Bank on 645 Center St in Ludlow, MA

Welcome to Citizens Bank (B2B Banks - ATMs) on 645 Center St in Ludlow, Massachusetts. This bank is listed on Bank Map under Banks - B2B Banks - ATMs. You can reach us on phone number (413) 583-6393. Our office is located on 645 Center St, Ludlow, MA.

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Citizens Bank Branch Overview

Available accounts

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Credit Cards
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IRAs
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Contact details

Address
Citizens Bank
645 Center St, Ludlow
01056 MA, USA

Call Us
(413) 583-6393

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 645 Center St

Citizens Bank on 645 Center St (1 miles away)
Citizens Bank on 33 Center St (1 miles away)
Bank of America on 64 Cherry St (1 miles away)
United Bank on 528 Center St (1 miles away)
United Bank on 459 Main Street (2.6 miles away)
Citizens Bank on 1283 Memorial Dr (3.8 miles away)
Bank of America on 1889 Wilbraham Rd (4.1 miles away)
United Bank on 1930 Wilbraham Rd (4.1 miles away)
Td Bank on 1800 Boston Rd (4.1 miles away)
Bank of America on 1724 Boston Rd (4.1 miles away)
Citizens Bank on 455 Main St (4.3 miles away)
Monson Savings Bank on 100 Post Office Park (4.3 miles away)
Bank of America on 1 Crane Park Dr (4.3 miles away)
Td Bank on 693 Memorial Dr (4.7 miles away)
Peoples Bank on 610 Memorial Dr (4.7 miles away)
Citizens Bank on 672 Memorial Dr (4.7 miles away)
Peoples Bank on 1936 Memorial Dr (4.7 miles away)
Grahams ATm on 289 Carew St (5.9 miles away)
Citizens Bank on 2145 Roosevelt Ave (5.9 miles away)
Bank of America on 1316 Carew St (5.9 miles away)

This Citizens Bank is located nearby...

Not sure where Citizens Bank on 645 Center St is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

Massachusetts Turnpike (1.18 miles away / 24 min walk)
Randall's Farm (0.08 miles away / 2 min walk)
Ludlow Plaza Service Area (1.05 miles away / 21 min walk)
Ludlow Fish & Game Club (0.78 miles away / 16 min walk)
Ludlow High School (0.66 miles away / 13 min walk)
El Cid Lounge (1.65 miles away / 33 min walk)
Alegria Dance and Fitness (0.07 miles away / 1 min walk)
Mass Pike Rest Area, Ludlow (1.05 miles away / 21 min walk)
Friendly Ice Cream Corp (0.83 miles away / 17 min walk)
Ludlow Boys and Girls Club (0.97 miles away / 19 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 Ludlow 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 Ludlow 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 Ludlow.

Consumer Complaint Stats

Product / Complaint category	Complaints in 2013
Bank account or service	3
Mortgage	1
Credit card	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 (413) 583-6393 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.

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Citizens Bank
on 645 Center St in Ludlow, MA