The bank's total assets expanded to $2.8 trillion in 2026Q1, supported by a stable equity base of $211.0 billion despite ongoing Basel III regulatory capital requirements.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash & Short Term Investments | 1.93T | 675.44B | 498.02B | 506B | 580.77B | 541.33B | 638.78B | 465.46B | 466.85B | 461.94B | 451.68B | 421.54B | 446.53B | 463.14B | 427.28B | 449.69B | 464.49B | 432.49B | 374.77B | 300.69B | 327.16B | 218.66B | 47.45B | 40.93B | 33.71B | 37.73B | 30.79B | 28.24B | 25.48B | 25.67B | 3.26B |
| Cash & Due from Banks | 23.63B | 349.58B | 276.53B | 260.93B | 342.02B | 262.03B | 309.62B | 193.92B | 188.1B | 180.52B | 160.49B | 133.1B | 160.2B | 198.89B | 138.59B | 184.49B | 190.41B | 192.89B | 199.58B | 107.57B | 69.04B | 55.28B | 47.45B | 40.93B | 33.71B | 37.73B | 30.79B | 28.24B | 25.48B | 25.67B | 3.26B |
| Short Term Investments | 0 | 325.86B | 221.49B | 245.07B | 238.75B | 279.3B | 329.16B | 271.54B | 278.75B | 281.42B | 291.19B | 288.44B | 286.33B | 264.25B | 288.69B | 265.2B | 274.08B | 239.6B | 175.19B | 193.11B | 258.12B | 163.38B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.49T | 770.09B | 1.15T | 1.18T | 1.16T | 1.15T | 1.09T | 1.04T | 1.02T | 995.3B | 954.68B | 987.36B | 1.03T | 992.53B | 1.01T | 989.72B | 997.49B | 948.51B | 1.04T | 1.13T | 1.07T | 858.36B | 750.8B | 648.25B | 606.22B | 542.68B | 478.18B | 422.1B | 320.52B | 284.1B | 56.51B |
| Investments Growth % | 92.73% | -32.86% | -2.66% | 1.97% | 0.22% | 5.67% | 4.59% | 2.41% | 2.35% | 4.26% | -3.31% | -4.23% | 3.88% | -2.17% | 2.51% | -0.78% | 5.16% | -9.11% | -8.01% | 6.49% | 24.11% | 14.33% | 15.82% | 6.93% | 11.71% | 13.49% | 13.29% | 31.69% | 12.82% | 402.76% | 62.81% |
| Long-Term Investments | 4.78T | 444.23B | 925.42B | 933.18B | 916.8B | 873.7B | 761.92B | 771.69B | 739.95B | 713.88B | 663.5B | 698.92B | 744.67B | 728.28B | 725.86B | 724.51B | 723.41B | 708.91B | 868.45B | 941.38B | 807.2B | 694.98B | 750.8B | 648.25B | 606.22B | 542.68B | 478.18B | 422.1B | 320.52B | 284.1B | 56.51B |
| Accounts Receivables | 0 | 62.68B | 50.84B | 53.91B | 54.19B | 54.34B | 44.81B | 39.86B | 35.45B | 38.38B | 28.89B | 27.68B | 28.42B | 25.67B | 22.49B | 27.78B | 31.21B | 33.63B | 44.28B | 57.36B | 44.45B | 42.82B | 39.27B | 26.48B | 25.36B | 35.16B | 25.7B | 22.22B | 21.41B | 15.63B | 24.35B |
| Goodwill & Intangibles | 23.3B | 23.38B | 23.79B | 24.52B | 24.12B | 25.79B | 26.91B | 26.95B | 27.27B | 27.4B | 28.34B | 27.85B | 30B | 32.78B | 33.31B | 34.58B | 38.21B | 40.64B | 46.95B | 63.74B | 49.32B | 47.88B | 47.26B | 26.48B | 25.36B | 35.16B | 0 | 0 | 0 | 15.63B | 24.35B |
| Goodwill | 19B | 19.1B | 19.3B | 20.1B | 19.69B | 21.3B | 22.16B | 22.13B | 22.05B | 22.26B | 21.66B | 22.35B | 23.59B | 25.01B | 25.67B | 25.41B | 26.15B | 25.39B | 27.13B | 41.05B | 33.41B | 33.13B | 31.99B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 4.3B | 4.28B | 4.49B | 4.42B | 4.43B | 4.5B | 4.75B | 4.82B | 5.22B | 5.15B | 6.68B | 5.5B | 6.41B | 7.77B | 7.64B | 9.17B | 12.06B | 15.24B | 19.82B | 22.69B | 15.9B | 14.75B | 15.27B | 26.48B | 25.36B | 35.16B | 0 | 0 | 0 | 15.63B | 24.35B |
| PP&E (Net) | 33.57B | 33.34B | 30.19B | 28.75B | 26.25B | 24.33B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 202.38B | 1.42T | 824.4B | 865.19B | 814.19B | 771.47B | 786.94B | 645.82B | 646.33B | 599.12B | 617.83B | 552.78B | 589.83B | 627.56B | 652.92B | 634.77B | 653.97B | 638.04B | 600.36B | 816.12B | 646.37B | 479.7B | 599.32B | 506.91B | 396.84B | 403.02B | 367.55B | 323.02B | 301.23B | 368.54B | 258.77B |
| Total Current Assets | 23.63B | 738.12B | 549.13B | 560.19B | 635.32B | 596.12B | 684.32B | 506.7B | 503.84B | 502.06B | 482.42B | 451.66B | 477.67B | 491.76B | 452.57B | 480.02B | 498.31B | 469.05B | 422.71B | 366.24B | 381.43B | 271.48B | 86.72B | 67.4B | 59.07B | 72.89B | 56.48B | 50.46B | 46.89B | 41.29B | 27.61B |
| Total Non-Current Assets | 2.75T | 1.92T | 1.8T | 1.85T | 1.78T | 1.7T | 1.58T | 1.44T | 1.41T | 1.34T | 1.31T | 1.28T | 1.36T | 1.39T | 1.41T | 1.39T | 1.42T | 1.39T | 1.52T | 1.82T | 1.5T | 1.22T | 1.4T | 1.2T | 1.04T | 978.56B | 845.73B | 745.12B | 621.75B | 656.09B | 318.34B |
| Total Assets | 2.78T | 2.66T | 2.35T | 2.41T | 2.42T | 2.29T | 2.26T | 1.95T | 1.92T | 1.84T | 1.79T | 1.73T | 1.84T | 1.88T | 1.86T | 1.87T | 1.91T | 1.86T | 1.94T | 2.19T | 1.88T | 1.49T | 1.48T | 1.26T | 1.1T | 1.05T | 902.21B | 795.58B | 668.64B | 697.38B | 345.95B |
| Asset Growth % | 38.69% | 12.93% | -2.44% | -0.2% | 5.47% | 1.39% | 15.83% | 1.76% | 4.07% | 2.81% | 3.52% | -6.02% | -2.03% | 0.84% | -0.49% | -2.09% | 3.08% | -4.22% | -11.38% | 16.09% | 26.12% | 0.67% | 17.41% | 15.16% | 4.39% | 16.54% | 13.4% | 18.99% | -4.12% | 101.59% | 202.2% |
| Return on Assets (ROA) | 0.6% | 0.57% | 0.53% | 0.38% | 0.63% | 0.96% | 0.52% | 1% | 0.96% | -0.37% | 0.85% | 0.97% | 0.39% | 0.73% | 0.4% | 0.58% | 0.56% | -0.08% | -1.34% | 0.18% | 1.28% | 1.65% | 1.24% | 1.51% | 1.42% | 1.45% | 1.59% | 1.54% | 1.02% | 1.29% | 2.93% |
| Accounts Payable | 0 | 74.84B | 66.6B | 63.54B | 69.22B | 61.43B | 50.48B | 48.6B | 64.57B | 61.34B | 57.15B | 53.72B | 52.18B | 53.71B | 57.01B | 56.7B | 51.75B | 60.85B | 70.92B | 84.95B | 85.12B | 70.99B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 749.21B | 715.8B | 590.56B | 602.18B | 521.15B | 473.63B | 500.73B | 460.15B | 442.11B | 437.44B | 378.7B | 368.85B | 454.85B | 483.57B | 502.73B | 576.32B | 649.53B | 587.18B | 691.58B | 877.84B | 738.56B | 526.82B | 474.23B | 408.54B | 347.7B | 321.53B | 297.23B | 244.05B | 145.81B | 204.98B | 139.84B |
| Net Debt | 725.58B | 366.22B | 314.03B | 341.25B | 179.12B | 211.6B | 191.11B | 266.23B | 254.01B | 256.92B | 218.21B | 235.75B | 294.66B | 284.68B | 364.14B | 391.83B | 459.12B | 394.29B | 491.99B | 770.27B | 669.53B | 471.54B | 426.79B | 367.62B | 314B | 283.8B | 266.44B | 215.81B | 120.33B | 179.31B | 136.59B |
| Long-Term Debt | 307.57B | 315.83B | 287.3B | 286.62B | 271.61B | 254.37B | 271.69B | 248.76B | 232B | 236.71B | 206.18B | 201.28B | 223.08B | 221.12B | 239.46B | 323.5B | 381.18B | 364.02B | 359.59B | 427.11B | 288.49B | 217.5B | 207.91B | 168.76B | 133.08B | 143.56B | 134.93B | 107.12B | 48.67B | 58.85B | 24.7B |
| Short-Term Debt | 441.64B | 399.98B | 303.26B | 315.56B | 249.54B | 219.26B | 229.04B | 211.39B | 210.11B | 200.73B | 172.52B | 167.57B | 231.77B | 262.46B | 263.26B | 252.81B | 268.35B | 223.16B | 331.98B | 450.73B | 450.07B | 309.32B | 266.32B | 239.78B | 214.63B | 177.97B | 162.3B | 136.93B | 97.14B | 146.13B | 115.15B |
| Other Liabilities | 1.82T | 0 | 68.11B | 75.83B | 87.87B | 74.92B | 59.98B | 57.98B | 56.15B | 57.02B | 61.63B | 60.15B | 153.18B | 107.19B | 119.57B | 125.55B | 132.54B | 144.34B | 207.08B | 206.47B | 157.73B | 132.08B | 338.5B | 283.46B | 232.27B | 274.15B | 238.19B | 231.67B | 247.02B | 248.16B | 185.37B |
| Total Current Liabilities | 441.64B | 1.53T | 1.79T | 1.84T | 1.86T | 1.76T | 1.73T | 1.45T | 1.43T | 1.35T | 1.3T | 1.25T | 1.25T | 1.35T | 1.31T | 1.25T | 1.23T | 1.19T | 1.23T | 1.44T | 1.32T | 1.03T | 828.4B | 713.8B | 645.52B | 552.5B | 462.89B | 398.5B | 325.79B | 345.25B | 115.15B |
| Total Non-Current Liabilities | 2.12T | 315.83B | 355.41B | 362.45B | 359.48B | 329.29B | 331.67B | 306.74B | 288.15B | 293.73B | 267.81B | 261.42B | 376.26B | 328.31B | 359.03B | 449.05B | 513.72B | 508.36B | 566.67B | 633.58B | 446.22B | 349.58B | 546.41B | 452.22B | 365.35B | 417.71B | 373.12B | 338.79B | 295.69B | 307.01B | 210.06B |
| Total Liabilities | 2.57T | 2.44T | 2.14T | 2.21T | 2.21T | 2.09T | 2.06T | 1.76T | 1.72T | 1.64T | 1.57T | 1.51T | 1.63T | 1.67T | 1.67T | 1.69T | 1.75T | 1.7T | 1.79T | 2.07T | 1.76T | 1.38T | 1.37T | 1.17T | 1.01T | 970.2B | 836B | 737.29B | 621.47B | 652.26B | 325.21B |
| Total Equity | 212.57B | 213.82B | 209.37B | 206.25B | 201.84B | 202.67B | 200.2B | 193.95B | 197.07B | 201.67B | 226.14B | 223.09B | 211.7B | 206.13B | 191B | 179.57B | 165.79B | 154.97B | 144.02B | 113.45B | 119.78B | 112.54B | 109.29B | 98.01B | 86.72B | 81.25B | 66.21B | 63.21B | 47.17B | 45.13B | 20.74B |
| Equity Growth % | 6.08% | 2.13% | 1.51% | 2.19% | -0.41% | 1.23% | 3.22% | -1.59% | -2.28% | -10.82% | 1.37% | 5.38% | 2.7% | 7.92% | 6.36% | 8.31% | 6.98% | 7.6% | 26.95% | -5.29% | 6.44% | 2.97% | 11.51% | 13.03% | 6.73% | 22.72% | 4.74% | 34.01% | 4.53% | 117.62% | 74.57% |
| Equity / Assets (Capital Ratio) | 7.65% | 8.05% | 8.9% | 8.55% | 8.35% | 8.84% | 8.86% | 9.94% | 10.28% | 10.95% | 12.62% | 12.89% | 11.49% | 10.96% | 10.24% | 9.58% | 8.66% | 8.35% | 7.43% | 5.19% | 6.36% | 7.53% | 7.36% | 7.75% | 7.9% | 7.73% | 7.34% | 7.95% | 7.05% | 6.47% | 5.99% |
| Return on Equity (ROE) | 7.49% | 6.74% | 6.1% | 4.52% | 7.34% | 10.9% | 5.61% | 9.92% | 9.05% | -3.18% | 6.64% | 7.93% | 3.5% | 6.88% | 4% | 6.41% | 6.61% | -1.07% | -21.5% | 3.1% | 18.54% | 22.17% | 16.45% | 19.33% | 18.19% | 19.16% | 20.89% | 20.37% | 15.06% | 20.36% | 41.33% |
| Book Value per Share | 119.69 | 114.80 | 110.11 | 105.46 | 102.75 | 98.89 | 95.38 | 85.62 | 78.99 | 74.73 | 78.30 | 74.17 | 69.71 | 67.77 | 63.34 | 59.88 | 55.86 | 128.09 | 249.65 | 230.40 | 240.23 | 218.08 | 209.88 | 188.72 | 167.86 | 157.85 | 129.25 | 123.27 | 91.70 | 195.17 | 88.57 |
| Tangible BV per Share | 106.57 | 102.24 | 97.60 | 92.92 | 90.47 | 86.31 | 82.56 | 73.72 | 68.06 | 64.58 | 68.49 | 64.91 | 59.83 | 56.99 | 52.29 | 48.35 | 42.99 | 94.50 | 168.27 | 100.95 | 141.33 | 125.30 | 119.12 | 137.74 | 118.77 | 89.55 | 129.25 | 123.27 | 91.70 | 127.58 | -15.42 |
| Common Stock | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 30M | 29M | 29M | 286M | 57M | 55M | 55M | 55M | 55M | 55M | 55M | 55M | 54M | 54M | 0 | 0 | 0 |
| Additional Paid-in Capital | 107.82B | 108.45B | 109.12B | 108.95B | 108.46B | 108B | 107.85B | 107.84B | 107.92B | 108.01B | 108.04B | 108.29B | 107.98B | 107.19B | 106.39B | 105.8B | 101.29B | 98.14B | 19.16B | 18.01B | 18.25B | 17.48B | 18.85B | 17.53B | 17.38B | 23.2B | 16.5B | 15.31B | 0 | 0 | 0 |
| Retained Earnings | 219.54B | 215.13B | 206.29B | 198.91B | 194.73B | 184.95B | 168.27B | 165.37B | 151.35B | 138.43B | 146.48B | 133.84B | 117.85B | 111.17B | 97.81B | 90.52B | 79.56B | 77.44B | 86.52B | 121.77B | 129.27B | 117.56B | 102.15B | 93.48B | 81.4B | 69.8B | 58.86B | 48B | 35.97B | 32B | 12.93B |
| Accumulated OCI | -40.62B | -41.9B | -47.85B | -44.8B | -47.06B | -38.77B | -32.06B | -36.32B | -37.17B | -34.67B | -32.38B | -29.34B | -23.22B | -19.13B | -16.9B | -17.79B | -16.28B | -18.94B | -25.2B | -4.66B | -3.7B | -2.53B | -2.25B | -2.66B | -1.88B | -2.23B | -746M | 699M | 0 | 1.16B | 469M |
| Treasury Stock | -95.37B | -89.47B | -76.84B | -75.24B | -73.97B | -71.24B | -64.13B | -61.66B | -44.37B | -30.31B | -16.3B | -7.68B | -2.93B | -1.66B | -847M | -1.07B | -1.44B | -4.54B | -9.58B | -21.72B | -25.09B | -21.15B | -10.64B | -11.52B | -11.64B | -11.1B | -10.21B | -7.66B | 0 | 0 | 0 |
| Preferred Stock | 19.55B | 20.05B | 17.85B | 17.6B | 19B | 19B | 19.48B | 17.98B | 18.46B | 19.25B | 19.25B | 16.72B | 10.47B | 6.74B | 2.56B | 312M | 312M | 312M | 70.66B | 0 | 1B | 1.13B | 1.13B | 1.13B | 1.4B | 1.52B | 1.75B | 1.9B | 2.45B | 3.35B | 1.67B |
Regulatory transformation execution risk
According to recent financial statements, Citigroup's total assets grew to $2.8 trillion in 2026Q1, reflecting a deliberate expansion of the balance sheet that appears to prioritize institutional service capabilities over the legacy consumer banking footprint currently undergoing significant divestiture and structural reorganization across the firm's global operations.
The growth in total assets suggests that the bank is successfully scaling its institutional services, though the composition of this growth warrants scrutiny regarding its impact on capital intensity. Investors should monitor whether this expansion is driven by high-quality, fee-generating assets or if it reflects a temporary accumulation of lower-yielding securities during the ongoing transformation.
As reported in regulatory filings, Citigroup maintained an equity base of $211.0 billion in 2026Q1, a figure that suggests a stable capital position despite the persistent pressure from Basel III Endgame requirements and the ongoing costs associated with the bank's multi-year infrastructure and risk management transformation efforts.
The current equity-to-assets ratio of 0.08 indicates a consistent capital cushion, yet the bank's ability to deploy this capital for shareholder returns remains constrained by regulatory scrutiny. The persistent need for capital to support transformation suggests that management may continue to face limitations on aggressive buyback programs until operational risk metrics show sustained improvement.
Based on the provided balance sheet data, Citigroup held $23.6 billion in cash and equivalents in 2026Q1, following a significant reduction from the $349.6 billion reported in 2025Q4, which indicates a strategic shift toward deploying excess liquidity into higher-yielding assets or supporting institutional client activity.
The volatility in cash holdings suggests that the bank is actively managing its liquidity profile to optimize net interest income in a shifting rate environment. While the reduction in cash may appear aggressive, it likely reflects a transition toward a more efficient balance sheet structure that prioritizes earning assets over idle cash reserves.
Data from recent financial statements reveals that Citigroup's investment securities portfolio reached $2.5 trillion in 2026Q1, a substantial increase that warrants investigation into the duration risk and potential unrealized losses embedded within the portfolio as interest rate expectations continue to fluctuate across the bank's global markets.
The massive concentration in investment securities suggests that the bank's earnings are highly sensitive to interest rate movements, potentially creating a duration mismatch if funding costs rise faster than asset yields. Investors should monitor the composition of this portfolio, as any significant shift in market rates could impact the bank's tangible book value and overall capital adequacy.
Quick answers to the most common questions about buying C stock.
As of 2025, Citigroup Inc. (C) had total assets of $2.66T including $738.12B in current assets.
Citigroup Inc. (C) carries total debt of $715.80B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Citigroup Inc. (C) has total shareholders' equity (book value) of $212.29B ($114.80 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Citigroup Inc. (C) reported a current ratio of 0.48x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.