Side-by-side · Q2 2026 data
First Independent Bank vs Citizens Bank Minnesota
Metric by metric
| Measure | First Independent Bank | Citizens Bank Minnesota |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 49 (stronger) | 43 |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 82 (stronger) | 54 |
| Funding & liquidity | 76 | 78 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 64th | 43rd |
| Total assets | $632.3M | $596.0M |
| Deposits / shares | $533.0M | $498.7M |
| Capital ratio | 9.87% (stronger) | 9.33% |
| Problem loans | 0.14% | 0.02% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 0.85% |
| Loans ÷ deposits | 82.0% | 80.5% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 16.9% |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
First Independent Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and Citizens Bank Minnesota on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.