Joseph Gargiulo
Vice President
Citizens Bank
(Citizens Private Bank, Investors Bank)
1270 6th Ave 16TH FLOOR New York, NY 10020
101 John F Kennedy Pkwy Short Hills, NJ 07078
Citizens Bank NYC portfolio
$24.7 million -mixed-use 34%, retail 33%, office 27%; Brooklyn 55%, Queens 23%, Bronx 21%*
3361th largest portfolio by dollar value
53,982 sqft – mixed-use 41%, office 31%, retail 27%; Brooklyn 57%, Bronx 21%, Queens 20%
3461th largest by SF
8 properties – Brooklyn 37%, Queens 37%, Bronx 25%
1515th largest
1177 foreclosures, 0 bankruptcies, 1 other court case.
Person Activity past 24 months:
Lender signatory: 1 for $5 million
Top Ten Associated Companies:
Vadem Brodsky (1)
Top Ten Associated People:
Vadem Brodsky (1)
Recent activity as signatory:
• Alan J. Marcus registered on November 07, 2025 bought a loan with an original principal of $7.7 million from Citizens Bank, signed by Joseph Gargiulo, secured by 2369 Adam Clayton Powell Jr Boulevard, when owned by Alan J. Marcus registered.
• Golden East Investors on November 07, 2025 bought a loan with an original principal of $8.5 million from Citizens Bank, signed by Joseph Gargiulo, secured by 605 West 141 Street, when owned by Alan J. Marcus registered.
• Golden East Investors on November 07, 2025 bought a loan with an original principal of $16.3 million from Citizens Bank, signed by Joseph Gargiulo, secured by 103 Edgecombe Avenue, when owned by Alan J. Marcus Registered.
• Uptown WH Group on September 30, 2025 bought a loan with an original principal of $7 million from Citizens Bank, signed by Joseph Gargiulo, secured by 535 West 155 Street, when owned by Alan J. Marcus registered.
• Vadem Brodsky borrowed $5 million from Citizens Bank for 97 Waverly Avenue on September 30, 2025.
• Uptown WH Group on September 30, 2025 bought a loan with an original principal of $8.6 million from Citizens Bank, signed by Joseph Gargiulo, secured by 510 West 134 Street, when owned by Alan J. Marcus registered.
• Uptown WH Group on September 30, 2025 bought a loan with an original principal of $8.6 million from Citizens Bank, signed by Joseph Gargiulo, secured by 3768 Broadway, when owned by Chaim Katzman and Shaul Rikman.
• Uptown WH Group on September 30, 2025 bought a loan with an original principal of $2.8 million from Citizens Bank, signed by Joseph Gargiulo, secured by 3752 Broadway, when owned by Alan J. Marcus registered.
• Hudson Companies and BedRock Real Estate Partners borrowed $21 million from Cathay Bank for 36 Caton Place on November 25, 2024.