BlastPoint's Banking Scorecard
Citizens Independent Bank
Saint Louis Park, MN
4 branches across MN
Citizens Independent Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28.7% in tier
- - Non-Interest-Bearing Deposit Share 14.96% below tier average
- - ROA 0.72% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$317.4M
-3.5% YoY
+0.9% QoQ
|
-$68.7M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$204.4M
-4.0% YoY
+3.1% QoQ
|
-$51.4M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$270.9M
-1.4% YoY
+1.5% QoQ
|
-$57.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.55%
+13.6% YoY
+892.0% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.2% in tier |
| Net Interest Margin ? |
3.95%
+7.9% YoY
+5.7% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
81.98%
-0.4% YoY
-1.7% QoQ
|
+16.70% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate ? |
0.03%
-22.9% YoY
-99.4% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
75.43%
-2.6% YoY
+1.6% QoQ
|
-1.21% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
7.06%
-5.7% YoY
+7.2% QoQ
|
-14.96% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.9% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-90.1% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
17.43%
+6.6% YoY
-0.9% QoQ
|
+1.60% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.08%
+9.1% YoY
-73.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.