Citizens Independent Bank

Saint Louis Park, MN · Cert 16863 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Bakken Securities Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$314.2MAssets

$208.9MLoans

$267.0MDeposits

$31.2MEquity

Executive Summary

Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 4 of 53).
Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.53%

Rank 46 of 53

Net Interest Margin

3.85%

Rank 23 of 53

Efficiency Ratio

82.98%

Rank 52 of 53

Equity / Assets

9.93%

Rank 20 of 53

Non-interest income vs. expense

Unfavorable gap of $9.9M · efficiency ratio beats 4% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.53%	0.73%	1.11%	1.30%	Beats 13%	46 / 53
Return on Equity	5.34%	7.88%	12.20%	14.12%	Beats 9%	48 / 53
Net Interest Margin	3.85%	3.39%	3.77%	4.09%	Beats 57%	23 / 53
Efficiency Ratio	82.98%	56.05%	65.05%	71.57%	Beats 4%	52 / 53
Asset Quality
Nonperforming Loans / Loans	0.14%	0.14%	0.52%	1.20%	Beats 75%	14 / 53
Net Charge-Offs / Loans	1.43%	0.00%	0.01%	0.08%	Beats 2%	53 / 53
Capital
Tier 1 Capital Ratio	17.44%	10.73%	12.98%	15.08%	Beats 92%	4 / 53
Total Risk-Based Capital Ratio	18.29%	11.49%	13.79%	16.34%	Beats 89%	6 / 53
Equity / Assets	9.93%	8.08%	9.25%	10.72%	Beats 62%	20 / 53
Liquidity & Funding
Loans / Deposits	78.24%	72.13%	82.29%	93.80%	40th pctl	32 / 53
Loans / Assets	66.49%	63.64%	71.80%	79.37%	32nd pctl	36 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution