Citigroup

Regulatory capital and liquidity are solid relative to requirements. As of mid-to-late 2025, the CET1 ratio stood around 13.2% under the standardized approach with the SCB expected to decline to 3.6%, and the SLR near 5.5%, providing buffers over minimums.

The Fed’s 2025 stress test outcome enabled a dividend raise to $0.60, reflecting confidence in capital resilience. End-of-period deposits rose 6% year over year to roughly 1.38 trillion, supported by Services. Offsetting risks include ongoing consent-order remediation and episodic trading-control lapses that can attract fines or capital frictions.

CRE and consumer credit cycles remain manageable but warrant watch. Overall balance sheet strength is good, but our score reflects execution and regulatory overhang.