TellerScore

Citizens Independent Bank (FDIC certificate #16863) is based in Saint Louis Park, Minnesota. Its Q2 2026 call report shows $314.2M in total assets and $267.0M in deposits and 4 offices.

Based on its Q2 2026 filing, Citizens Independent Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 60th. Its strongest component is loan quality (95/100; 0.14%), and its lowest is earnings (41/100; 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.31%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 20.1% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.53%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 23 points (52 → 75), mostly because the loan quality component improved by 57 points.

TellerScore
436076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202476
Q1 202574
Q2 202552
Q3 202553
Q4 202543
Q1 202676
Q2 202675
Tier 1 leverage ratio
5.00%8.65%12.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.48%
Q3 202411.71%
Q4 202412.13%
Q1 202511.82%
Q2 202511.67%
Q3 202511.96%
Q4 202512.20%
Q1 202612.13%
Q2 202612.31%
Noncurrent loans
0.03%2.32%4.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.04%
Q4 20240.04%
Q1 20250.04%
Q2 20251.85%
Q3 20252.07%
Q4 20254.62%
Q1 20260.03%
Q2 20260.14%
Return on assets
-0.15%0.20%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.42%
Q4 20240.54%
Q1 20250.48%
Q2 2025-0.15%
Q3 20250.08%
Q4 20250.06%
Q1 20260.55%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$314.2M12.31%0.14%0.53%77.5%
Q1 202676$317.4M12.13%0.03%0.55%75.4%
Q4 202543$314.6M12.20%4.62%0.06%74.2%
Q3 202553$314.3M11.96%2.07%0.08%78.4%
Q2 202552$325.7M11.67%1.85%-0.15%79.1%
Q1 202574$328.8M11.82%0.04%0.48%77.4%
Q4 202476$331.1M12.13%0.04%0.54%74.8%
Q3 202473$336.1M11.71%0.04%0.42%79.7%
Q2 202472$332.5M11.48%0.05%0.33%80.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.31%
68th
Total risk-based capital18.29%
82nd
Problem loans0.14%
70th
Net charge-offs2.85%
1st
Return on assets0.53%
13th
Net interest margin4.02%
54th
Efficiency ratio83.0%
11th
Loans to deposits77.5%
54th
Uninsured deposits20.1%
64th
Loan-loss reserves0.89%
17th
Texas ratio3.5%
44th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Neighborhood National BankBank Mora, MN56 out of 100, Moderate$312.2M11.2%2.31%vs
Gateway BankBank Mendota Heights, MN71 out of 100, Strong$319.5M8.4%0.00%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
First Bank Blue EarthBank Blue Earth, MN64 out of 100, Moderate$322.7M9.5%0.39%vs
Citizens Bank & Trust Co.Bank Hutchinson, MN69 out of 100, Moderate$329.0M8.6%0.26%vs
The State Bank of FaribaultBank Faribault, MN71 out of 100, Strong$329.2M9.3%0.13%vs

Deposit insurance

Is my money safe at Citizens Independent Bank?

Yes. Citizens Independent Bank is an FDIC-insured institution (FDIC certificate #16863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.1% of deposits ($53.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.29% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Citizens Independent Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Independent Bank reported 25 home-loan applications under HMDA (LEI 5493003JI7ZC424UAF50): 22 originated ($6,430,000 total), 0 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Independent Bank
Former names
Citizens State Bank of St. Louis Park
Type
State-chartered bank
FDIC certificate #
16863
RSSD ID
825753
Primary regulator
FDIC
Holding company
Bakken Securities Inc
Established
January 16, 1950
Headquarters
5000 W 36th St, Saint Louis Park, MN 55416
Employees
58

Quick answers

Citizens Independent Bank: common questions

Is Citizens Independent Bank FDIC insured?

Yes. Citizens Independent Bank is an FDIC-insured institution (FDIC certificate #16863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Independent Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Independent Bank ever failed?

There is no failure record for FDIC certificate #16863 in the FDIC failed bank list.

How many branches does Citizens Independent Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Louis Park

InstitutionScoreAssetsCapitalProblem loansCompare
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs