C
Citizens Independent Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Independent Bank
Saint Louis Park, MN
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Rating C
Asset Quality Index 3.70
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 2.10
Stability Index 6.00
Company Info Citizens Independent Bank
Saint Louis Park, MN
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FDIC Number 16863
Phone Number (952) 926-6561
Website www.bankcib.com
Asset Quality Citizens Independent Bank
Saint Louis Park, MN
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1-Year Asset Growth -4.99%
5-Year Asset Growth -1.59%
5-Year Charge-Offs to Average Loans -0.13%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 3.03%
Non-Performing Loans to Capital 21.96%
Non-Performing Loans to Loans 4.70%
Balance Sheet Citizens Independent Bank
Saint Louis Park, MN
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Total Assets 314.61M
Total Deposits 267.06M
Capital and Reserves Citizens Independent Bank
Saint Louis Park, MN
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Capital 31.08M
Leverage Ratio 12.20
Loan Loss Reserves to Loans 2.36%
Risk-Based Capital Ratio 18.86
Liquidity Citizens Independent Bank
Saint Louis Park, MN
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Hot Money Ratio 11.29%
Liquidity Ratio 32.62%
Profitability Citizens Independent Bank
Saint Louis Park, MN
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5-Year Return on Average Assets 0.56%
Net Income 178.00K
Net Interest Spread 3.59%
Operating Profit to Average Assets 0.05%
Overhead Efficiency Ratio 83.37%
Return on Assets 0.06%
Return on Equity 0.61%