• Citizens Financial average return on assets for 2023 was 0.86, a 7.53% decline from 2022.
• Citizens Financial average return on assets for 2022 was 0.93, a 11.43% decline from 2021.
• Citizens Financial average return on assets for 2021 was 1.05, a 69.35% decline from 2020.

Roa - return on assets can be defined as an indicator of how profitable a company is relative to its total assets. Calculated by dividing a company's operating earnings by its total assets.