Citizens Financial Group, Inc. (CFG)
Regional bank. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 12, 2026. Ranked 4 of the 51 Financial Services companies read so far, by the share within reach now.
Within reach now
40%
End of 2028
66%
Employees, annual report
17,398
Leading staffing pattern
Credit Intermediation and Related Activities (5221 and 5223 only)
Share of the working time within reach, long-run pace, four times in five
- Now40%
- End of 202758%
- End of 202866%
- End of 203068%
What changes for its people by the end of 2028, by its industries' figures
- Stays with people 32%
- Becomes checking a model's work 60%
- Handed over with lighter checks 6%
17,398 full-time equivalent employees at a regional bank, 5,100 of them branch colleagues, read as one depository credit pattern.
The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.
What follows from the reading
Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.
Headcount
17,398 employees as of December 31, 2025 (full-time equivalent). The filing counts no employees by country; the bank operates in New England, the Mid-Atlantic and the Midwest.
The filing: “As of December 31, 2025, Citizens had 17,398 full-time equivalent employees, primarily across New England and the Mid-Atlantic.”
The workforce as industry patterns
| Pattern | Share | Reason, from the filing |
|---|---|---|
| Credit Intermediation and Related Activities (5221 and 5223 only) | 100% | The filing describes one business, consumer and commercial banking, with 5,100 branch colleagues counted (a) inside the full-time equivalent total; one depository credit pattern. |
What the filing says about the workforce: 17,398 full-time equivalent employees at December 31, 2025; about 5,100 branch colleagues across 1,000 branches; organizational health survey results in the top quartile of financial services.
Companies read with the same leading pattern
Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.
- JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
- Citigroup (C, 226,000 employees)38% now, 68% by 2028
- Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
- Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
- Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
- U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
- The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
- Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028
What the filing says about AI
3 sentences in the filing name AI. The filing names AI in three sentences: leveraging artificial intelligence and advanced learning platforms to personalize employee learning, and risk factors on AI's possible transformative effect on how banks offer products and on competition from automation, artificial intelligence and robotics.
- “By leveraging artificial intelligence and advanced learning platforms we are accelerating personalized learning and building capacity for skill development.”
- “Technology within the financial services industry continues to evolve and new, unexpected technological changes, including those related to artificial intelligence, could have a transformative effect on the way banks offer products and services.”
- “In addition, the emergence, adoption, and evolution of new technologies that do not require intermediation, including distributed ledgers such as digital assets and blockchain, as well as advances in automation, artificial intelligence, and robotics, could significantly affect the competition for financial services.”
Its annual reports, year by year
Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector
- Fiscal 20212median 0
- Fiscal 20221median 0
- Fiscal 20231median 1
- Fiscal 20244median 4
- Fiscal 20253median 10
Headcount by filing year
As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.
| Period | Employees | Filed | Filing |
|---|---|---|---|
| 2025-12-31 | 17,398 | 2026-02-12 | 10-K |
| 2024-12-31 | 17,287 | 2025-02-13 | 10-K |
| 2023-12-31 | 17,570 | 2024-02-16 | 10-K |
| 2022-12-31 | 18,889 | 2023-02-17 | 10-K |
| 2021-12-31 | 17,463 | 2022-02-23 | 10-K |
| 2020-12-31 | 4,800 | 2021-02-23 | 10-K |
| 2019-12-31 | 18,000 | 2020-02-24 | 10-K |
| 2018-12-31 | 18,100 | 2019-02-21 | 10-K |
| 2017-12-31 | 17,600 | 2018-02-22 | 10-K |
| 2016-12-31 | 17,600 | 2017-02-24 | 10-K |
| 2015-12-31 | 17,700 | 2016-02-26 | 10-K |
| 2014-12-31 | 17,700 | 2015-03-03 | 10-K |
Limits of this reading
- The headcount is a full-time equivalent count (rule 2).
Source: the company's annual report on EDGAR, accession 0000759944-26-000028, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.
The report on Citizens Financial Group, Inc., $29
This page as a document to keep, with what it does not show: the share within reach at every date on three paces and two reliabilities, a typical workforce of this shape at the stated headcount role by role and task by task (the industries' staffing, never the company's roster), where to start, what changes for the people and what they would learn, every sentence in the filing that names AI, the headcount by year, the companies read with the same leading pattern, the method and a citation line. To print or save as a PDF, open again in your browser for a year.
See the report, $29See the sample first: Walmart's report is free
Questions about this company
- How much of Citizens Financial Group, Inc.'s working time is within reach of AI?
- An estimated 40% now and 66% by the end of 2028, on METR's long-run pace at four in five, from the workforce Citizens Financial Group, Inc.'s own annual report describes and BLS staffing patterns for its industries, never from a roster. It is an estimate with a stated method. It is not a forecast of jobs lost or of savings, and it says nothing about what the company will do.
- How many people does Citizens Financial Group, Inc. employ?
- 17,398 as of December 31, 2025, as its annual report for the period ending December 31, 2025 states, in full-time equivalents.
- What kinds of work make up Citizens Financial Group, Inc.'s workforce?
- Read from its annual report as a blend of 1 industry staffing pattern, the largest Credit Intermediation and Related Activities (5221 and 5223 only); by those patterns the work is about 68% desk work, 23% people work and 9% body work. Each share has a one-sentence reason on this page that can be checked against the filing.
- What does Citizens Financial Group, Inc.'s annual report say about AI?
- 3 sentences in the filing name AI. Its annual reports for fiscal 2021 to 2025 name it in 2, 1, 1, 4 and 3 sentences, year by year. They are counted and quoted on this page, never judged: a count says how much a filing talks about AI, not what the company does with it.
- How is this estimated?
- Claude Fable 5.1 read the annual report under the Index's written rubric (version 1) on October 19, 2026: the stated headcount, the share in the U.S. when stated, and the workforce as a blend of industry staffing patterns. The estimates are the site's industry estimates weighted by those shares, from O*NET tasks with estimated lengths and METR's measurements of how long a task AI models can finish. A company can write to info@stratussc.com to have its reading checked against its filing.
Embed these figures on your site
A small card with the share of working time within reach now and at the end of 2027, 2028 and 2030, the date and a link back. Free under CC BY 4.0; the card carries the credit.