Side-by-side · Q2 2026 data
First Bank Blue Earth vs Citizens Independent Bank
Metric by metric
| Measure | First Bank Blue Earth | Citizens Independent Bank |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 45 | 73 (stronger) |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 39 | 41 (stronger) |
| Funding & liquidity | 75 | 77 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 26th | 61st |
| Total assets | $322.7M | $314.2M |
| Deposits / shares | $283.2M | $267.0M |
| Capital ratio | 9.47% | 12.31% (stronger) |
| Problem loans | 0.39% | 0.14% (stronger) |
| Net charge-offs | 0.13% (stronger) | 2.85% |
| Return on assets | 0.48% | 0.53% (stronger) |
| Loans ÷ deposits | 74.0% (stronger) | 77.5% |
| Uninsured deposits | 25.6% | 20.1% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Citizens Independent Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank Blue Earth leads on 2 and Citizens Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.