BlastPoint's Banking Scorecard
Citizens Independent Bank
Micro
Specialty: Commercial
MN
FDIC cert 16863
Designations: ✓ Community bank
Saint Louis Park, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Citizens Independent Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Delinquency Rate 4.09% above tier
- - Non-Interest-Bearing Deposit Share 15.81% below tier
- - Nonperforming Asset Ratio 2.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.6M
-5.0% YoY
+0.1% QoQ
|
+$97.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$198.2M
-4.7% YoY
-2.4% QoQ
|
+$59.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$267.1M
-3.9% YoY
+3.1% QoQ
|
+$83.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.06%
-89.8% YoY
-29.7% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.74%
+6.8% YoY
-0.1% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
83.37%
-0.9% YoY
+0.4% QoQ
|
+15.64% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
4.73%
+123.7% QoQ
|
+4.09% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
74.22%
-0.8% YoY
-5.4% QoQ
|
-0.31% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
6.59%
-16.0% YoY
-4.3% QoQ
|
-15.81% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
2.98%
+118.1% QoQ
|
+2.53% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.60%
+1.5% YoY
+1.7% QoQ
|
+8.75% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.30%
-2.6% YoY
+27.2% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.73%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.59%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.98%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Tier 1 Capital Ratio
Current: 17.60% · Tier avg: 8.85%
75
75th pctile
Total Assets
Current: $314.6M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $267.1M · Tier avg: $183.7M
73
73th pctile
Total Loans
Current: $198.2M · Tier avg: $139.2M
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.22% · Tier avg: 74.53%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
15
15th pctile
Efficiency Ratio
Current: 83.37% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.59% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 4.73% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.98% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.98% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.73% · Tier avg: 0.64%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.59% · Tier avg: 22.39%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
15
15th pctile
Efficiency Ratio
Current: 83.37% · Tier avg: 67.73%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.22% · Tier avg: 74.53%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
73
73th pctile
Total Loans
Current: $198.2M · Tier avg: $139.2M
74
74th pctile
Total Deposits
Current: $267.1M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $314.6M · Tier avg: $217.5M
81
81th pctile
Tier 1 Capital Ratio
Current: 17.60% · Tier avg: 8.85%