Citizens Bank, as a prominent brand name shared by multiple independent financial institutions across the United States, is most widely recognized as the primary consumer banking subsidiary of Citizens Financial Group, Inc., a large commercial bank holding company headquartered in Providence, Rhode Island. Historically, many regional banks operating under the Citizens moniker trace their roots back to nineteenth-century state charters established to serve local communities. Because numerous unrelated institutions adopted the common title to emphasize civic trust and local accessibility, customers and regulatory bodies frequently distinguish them by their specific state headquarters or parent holding company names.