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Citizens Bank on 36 Middle Rd N in Middlebury, VT

Welcome to Citizens Bank (Banks) on 36 Middle Rd N in Middlebury, Vermont. This bank is listed on Bank Map under Banks - All - Banks. You can reach us on phone number (802) 388-6791. Our office is located on 36 Middle Rd N, Middlebury, VT.


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    • Citizens Bank Branch Overview

    Available accounts

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    Debit Cards
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    Contact details

    Address
    Citizens Bank
    36 Middle Rd N, Middlebury
    05753 VT, USA

    Call Us
    (802) 388-6791


    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 36 Middle Rd N

    Albank on 7 Merchants Row (1.5 miles away)
    Keybank on 47 Creek Rd (1.5 miles away)
    Citizens Bank on 36 Middle Rd N (1.5 miles away)
    Chittenden Bank on 1 Court St (1.5 miles away)
    Merchants Bank on 25 Monkton Rd (10.2 miles away)
    Chittenden Bank on 3 N Maple St (10.2 miles away)
    Citizens Bank on 186 Main St (10.2 miles away)
    TD Bank on 3336 Airport Rd (16.5 miles away)
    Banknorth Vermont on 5070 Main St (20.3 miles away)
    Merchants Bank on 97 Main St (24.5 miles away)
    Citizens Bank on 49 Main St (25 miles away)
    Citizens Bank on 643 Main St (25.1 miles away)
    Merchants Bank on 70 Depot Square (26.2 miles away)
    Citizens Bank on 282 Berlin Mall Rd, #26 (26.2 miles away)
    Chittenden Bank on Shelburne Shopping P (26.5 miles away)
    Citizens Bank on 5068 Shelburne Road (26.5 miles away)
    Td Bank on 5112 Shelburne Rd (27.4 miles away)
    Stratevest Group on 89 Merchants Row (27.6 miles away)
    Merchants Bank on 92 Woodstock Ave (27.6 miles away)
    Berkshire Bank on 143 Woodstock Ave (27.6 miles away)

    This Citizens Bank is located nearby...

    Not sure where Citizens Bank on 36 Middle Rd N is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

    Middlebury, Vermont (1.01 miles away / 20 min walk)
    Middlebury College (1.09 miles away / 22 min walk)
    Fire and Ice Restaurant (1.15 miles away / 23 min walk)
    Two Brothers Tavern (0.90 miles away / 18 min walk)
    Drop In Brewing Company (0.46 miles away / 9 min walk)
    Rosie's Restaurant (0.70 miles away / 14 min walk)
    Porter Medical Center (0.59 miles away / 12 min walk)
    Middlebury Fitness (0.65 miles away / 13 min walk)
    American Flatbread Middlebury Hearth (1.05 miles away / 21 min walk)
    Town Hall Theater Inc (0.86 miles away / 17 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 Middlebury 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 Middlebury 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 Middlebury.

    Consumer Complaint Stats

    Product / Complaint category Complaints in 2013
    Bank account or service3
    Mortgage1
    Credit card1

    Citizens Bank Consumer Complaints (Vermont, 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 Vermont 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 (802) 388-6791 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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    Address

    Bank location


    Bank address

    Citizens Bank
    36 Middle Rd N
    Middlebury, VT 05753

    Navigation data

    Area Code: 802
    Latitude: 44.003002
    Longitude: -73.156937
    County: Addison
    FIPS county code: 50001
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    External resources

    ATM locator
    Routing Numbers
    Official website

    Phone

    Phone: (802) 388-6791
    Fax: No listed fax number.

    Email address

    No listed email address.

    Areas of practice

    Citizens Bank is listed under Banks in Middlebury, Vermont .

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