C
Citizens Independent Bank
Rating Date
October 2025
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 5.70
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 2.10
Stability Index 5.50
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 -6.48%
5-Year Asset Growth 3.05%
5-Year Charge-Offs to Average Loans -0.13%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 1.30%
Non-Performing Loans to Capital 10.26%
Non-Performing Loans to Loans 1.97%
Balance Sheet Citizens Independent Bank
Saint Louis Park, MN
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Total Assets 314.30M
Total Deposits 258.92M
Capital and Reserves Citizens Independent Bank
Saint Louis Park, MN
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Capital 30.30M
Leverage Ratio 11.96
Loan Loss Reserves to Loans 2.11%
Risk-Based Capital Ratio 18.56
Liquidity Citizens Independent Bank
Saint Louis Park, MN
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Hot Money Ratio 10.72%
Liquidity Ratio 30.46%
Profitability Citizens Independent Bank
Saint Louis Park, MN
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5-Year Return on Average Assets 0.56%
Net Income 191.00K
Net Interest Spread 3.58%
Operating Profit to Average Assets 0.07%
Overhead Efficiency Ratio 83.06%
Return on Assets 0.08%
Return on Equity 0.88%