BlastPoint's Banking Scorecard
Citizens Independent Bank
Saint Louis Park, MN
4 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +1.5% year over year ($267.0M on the books).
- Delinquency rate 0.14%.
- Return on assets 0.53%.
- Efficiency ratio 82.98% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Independent Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency Ratio 18.50% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.2M
-3.5% YoY
-1.0% QoQ
|
-$72.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$207.1M
-0.4% YoY
+1.3% QoQ
|
-$51.3M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$267.0M
+1.5% YoY
-1.4% QoQ
|
-$59.7M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.53%
+454.6% YoY
-3.3% QoQ
|
-0.79% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.0% in tier |
| Net Interest Margin ? |
4.02%
+9.0% YoY
+1.6% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
82.98%
-0.8% YoY
+1.2% QoQ
|
+18.50% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate ? |
0.14%
-92.5% YoY
+381.9% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
77.55%
-1.9% YoY
+2.8% QoQ
|
-0.40% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
10.23%
+49.0% YoY
+44.8% QoQ
|
-11.80% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.0% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-69.2% YoY
+26.2% QoQ
|
-0.30% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
17.44%
+4.2% YoY
+0.1% QoQ
|
+1.53% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.16%
+7.0% YoY
+100.8% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.2%
+3.4pp YoY +3.2pp QoQ |
-11.9pp | 22.1% | 21.9% | 22.2% | 10% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.7%
+3.7pp YoY +0.4pp QoQ |
+3.2pp | 11.6% | 14.6% | 12.5% | 75% |
| CRE |
52.0%
-4.3pp YoY +1.7pp QoQ |
+12.5pp | 39.5% | 36.5% | 41.4% | 73% |
| 1-4 Family |
24.4%
-0.6pp YoY -1.7pp QoQ |
-8.3pp | 32.6% | 29.4% | 31.3% | 40% |
| Consumer |
8.6%
-0.9pp YoY -0.3pp QoQ |
+4.5pp | 4.1% | 4.5% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.4%
+0.7pp YoY 0.0pp QoQ |
-1.4pp | 18.8% | 16.5% | 19.7% | 66% |
| Leverage Ratio |
12.3%
+0.6pp YoY +0.2pp QoQ |
+0.1pp | 12.2% | 11.0% | 12.6% | 68% |
| Total Capital Ratio |
18.3%
+0.3pp YoY 0.0pp QoQ |
-1.6pp | 19.9% | 17.6% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
+1 (+1.8%) YoY +1 (+1.8%) QoQ |
-1 | 58 | 55 | 482 | 61% |
| Assets per Employee ($) |
$5.4M
-5.2% YoY -2.7% QoQ |
-$2.1M | $7.5M | $8.6M | $8.8M | 21% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 12% |
| Nonaccrual |
0.1%
-1.8pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 23% |
| Allowance Coverage |
6.33x
+469.6% YoY -79.2% QoQ |
-17.82x | 24.15x | 20.41x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
2.9%
+2.9pp YoY -3.0pp QoQ |
+2.7pp | 0.1% | 0.2% | 0.2% | 99% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.4%
+7.1pp YoY -0.2pp QoQ |
-6.8pp | 12.2% | 13.1% | 11.6% | 15% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.7% | 1.7% | 12% |
| Net Income ($, YTD) |
$834,000
+440.4% YoY — QoQ |
-$1.7M | $2.6M | $4.5M | $40.4M | 21% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.