Side-by-side · Q2 2026 data
The State Bank of Faribault vs Citizens Independent Bank
Metric by metric
| Measure | The State Bank of Faribault | Citizens Independent Bank |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 43 | 73 (stronger) |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 65 (stronger) | 41 |
| Funding & liquidity | 85 (stronger) | 77 |
| Problem-loan coverage | 80 | 93 (stronger) |
| Peer percentile | 47th | 61st |
| Total assets | $329.2M | $314.2M |
| Deposits / shares | $301.4M | $267.0M |
| Capital ratio | 9.31% | 12.31% (stronger) |
| Problem loans | 0.13% (stronger) | 0.14% |
| Net charge-offs | -0.06% (stronger) | 2.85% |
| Return on assets | 1.14% (stronger) | 0.53% |
| Loans ÷ deposits | 58.4% (stronger) | 77.5% |
| Uninsured deposits | 28.7% | 20.1% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Citizens Independent Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Faribault leads on 4 and Citizens Independent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.