Citizens Bank on 33 Center St in Ludlow, MA
Welcome to Citizens Bank (Other Real Estate - Real Estate Financing) on 33 Center St in Ludlow, Massachusetts. This bank is listed on Bank Map under Banks - Other Real Estate - Real Estate Financing. You can reach us on phone number (413) 589-0111, fax number or email address . Our office is located on 33 Center St, Ludlow, MA.
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Citizens Bank Branch Overview
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Contact details
Address
Citizens Bank
33 Center St, Ludlow
01056 MA, USA
Call Us
(413) 589-0111
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 33 Center St
United Bank on 459 Main Street (1.1 miles away)
Bank of America on 1889 Wilbraham Rd (2.5 miles away)
United Bank on 1930 Wilbraham Rd (2.5 miles away)
Td Bank on 1800 Boston Rd (2.5 miles away)
Bank of America on 1724 Boston Rd (2.5 miles away)
Citizens Bank on 645 Center St (2.7 miles away)
Citizens Bank on 33 Center St (2.7 miles away)
Bank of America on 64 Cherry St (2.7 miles away)
United Bank on 528 Center St (2.7 miles away)
Citizens Bank on 455 Main St (3.5 miles away)
Monson Savings Bank on 100 Post Office Park (3.5 miles away)
Bank of America on 1 Crane Park Dr (3.5 miles away)
Citizens Bank on 1283 Memorial Dr (4 miles away)
Td Bank on 693 Memorial Dr (4.3 miles away)
Peoples Bank on 610 Memorial Dr (4.3 miles away)
Citizens Bank on 672 Memorial Dr (4.3 miles away)
Peoples Bank on 1936 Memorial Dr (4.3 miles away)
Citizens Bank ATM on 296 Cooley St (4.4 miles away)
Grahams ATm on 289 Carew St (4.5 miles away)
Citizens Bank on 2145 Roosevelt Ave (4.5 miles away)
This Citizens Bank is located nearby...
Not sure where Citizens Bank on 33 Center St is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.
Golden Corral Springfield (1.24 miles away / 25 min walk)Rave Motion Pictures Eastfield Mall (1.22 miles away / 24 min walk)
Friendly's (0.87 miles away / 17 min walk)
Olive Garden (1.32 miles away / 26 min walk)
Chuck E. Cheese's (0.87 miles away / 17 min walk)
Interskate South (0.98 miles away / 20 min walk)
Solmar Restaurant & Pub (1.00 miles away / 20 min walk)
Uno Pizzeria & Grill - Springfield (0.98 miles away / 20 min walk)
Red Robin (0.91 miles away / 18 min walk)
Massachusetts Turnpike (1.74 miles away / 35 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 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) 589-0111 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 Ludlow.Address
Bank location
Bank address
Citizens Bank 33 Center StLudlow, MA 01056
Navigation data
Area Code: 413Latitude: 42.1582187
Longitude: -72.484802
County: Hampshire
FIPS county code: 25013 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 (413) 589-0111 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: (413) 589-0111
Fax: No listed fax number.
Email address
No listed email address.
Areas of practice
Citizens Bank is listed under Other Real Estate - Real Estate Financing in Ludlow, Massachusetts .
Pro tip Browse Banks & bank offices in Ludlow, Massachusetts by bank issue and category.