Citizens Bank on 3333 Consaul Rd, #7 in Schenectady, NY
Welcome to Citizens Bank (Banks) on 3333 Consaul Rd, #7 in Schenectady, New York. This bank is listed on Bank Map under Banks - Banks. You can reach us on phone number (518) 393-0073, fax number or email address . Our office is located on 3333 Consaul Rd, #7, Schenectady, NY.
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Citizens Bank Branch Overview
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Contact details
Address
Citizens Bank
3333 Consaul Rd, #7, Schenectady
12019 NY, USA
Call Us
(518) 393-0073
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.)
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Other banks near 3333 Consaul Rd, #7
Keybank on 1610 Eastern Pkwy (0.6 miles away)
Trustco Bank on 3461 State St (0.6 miles away)
M and T Bank on 5000 Queen Philomena Blvd (0.6 miles away)
Citizens Bank on 1640 Eastern Pkwy (0.6 miles away)
Trustco Bank on 1620 Union St (1.5 miles away)
First Niagara Bank on 1742 Union St #44 (1.5 miles away)
M and T Bank on 1766 Union St (1.5 miles away)
Bank of America on 1757 Union St (1.5 miles away)
Td Bank on 2301 Nott St E (1.5 miles away)
Fleet Bank on 1428 Altamont Ave (2.9 miles away)
First Niagara Bank on Curry Rd & Carman Rd (2.9 miles away)
Trustco Bank on 1400 Altamont Ave (2.9 miles away)
First Niagara Bank on 3083 Carman Rd (2.9 miles away)
Citizens Bank on 1725 Altamont Ave (2.9 miles away)
Bank of America on 645 Nott St (3.1 miles away)
First Niagara Bank on 525 Vischer Ferry Rd (3.4 miles away)
First Niagara Bank on 251 State St (3.5 miles away)
Citizens Bank on 501 State St (3.5 miles away)
Key Bank on 436 State St (3.5 miles away)
Fleet Bank on 500 State St (3.5 miles away)
This Citizens Bank is located nearby...
Not sure where Citizens Bank on 3333 Consaul Rd, #7 is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.
Vent Fitness (0.32 miles away / 6 min walk)Applebees Neighborhood Grill & Bar Schenectady, NY (1.29 miles away / 26 min walk)
Bellevue Women's Hospital (0.95 miles away / 19 min walk)
Panera Bread (0.52 miles away / 10 min walk)
Blue Ribbon Family Restaurant of Schenectady (0.70 miles away / 14 min walk)
Starbucks (1.21 miles away / 24 min walk)
Five Guys Burgers and Fries (0.50 miles away / 10 min walk)
Ruby Tuesday of Mohawk Commons (0.51 miles away / 10 min walk)
Central Park in Schdy (1.61 miles away / 32 min walk)
Schenectady Central Park (1.51 miles away / 30 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
| 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 Schenectady 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 Schenectady 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 Schenectady.
Consumer Complaint Stats
| Product / Complaint category | Complaints in 2013 |
|---|---|
| Bank account or service | 3 |
| Mortgage | 1 |
| Credit card | 1 |
Citizens Bank Consumer Complaints (New York, 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 New York 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 (518) 393-0073 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
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Share your experience
We'd love to hear about your experience with Citizens Bank. 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 Schenectady.Address
Bank location
Bank address
Citizens Bank 3333 Consaul Rd, #7Schenectady, NY 12019
Navigation data
Area Code: 518Latitude: 42.781487
Longitude: -73.889959
County: Saratoga
FIPS county code: 36091 Ask question Write review
External resources
ATM locator
Routing Numbers
Official website
Business hours
Citizens Bank Bank Hours (Business hours)
These are the bank hours for Citizens Bank. Call (518) 393-0073 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
Phone
Phone: (518) 393-0073
Fax: No listed fax number.
Email address
No listed email address.
Areas of practice
Citizens Bank is listed under Banks in Schenectady, New York .
Pro tip Browse Banks & bank offices in Schenectady, New York by bank issue and category.