Total Assets
$315M
Total balance-sheet footings
FDIC Cert #16863 · Saint Louis Park, Minnesota · Est. 1950
Citizens Independent Bank - FDIC Bank Health Profile
A community-scale look at Citizens Independent Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $315M
- Total assets
- C
- Health grade · Fair
- 0.06%
- Return on assets
- 17.6%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Independent Bank earns a PlainBankData health grade of C (57/100), with well-capitalized at 17.60% Tier 1, 0.06% ROA, 83% efficiency ratio.
- #2,422
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 17.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens Independent Bank's 57/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Independent Bank's composite health score
Tier 1 Capital Ratio (17.60%) 40/40
Return on Assets (ROA) (0.06%) 7/25
Texas Ratio (26.14%) 10/20
Efficiency Ratio (83.37%) 0/15
57 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$267M
Customer-funded liabilities
Net Loans
$198M
Outstanding loan book
Net Income
$178K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Independent Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Independent Bank's score of 57/100 falls in the highlighted band.
Citizens Independent Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Independent Bank's $315M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.60%
Texas Ratio
26.14%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.06%
Return on Equity (ROE)
0.60%
Efficiency Ratio
83.37%
What the numbers say about Citizens Independent Bank
Citizens Independent Bank is an FDIC-insured institution (Certificate #16863) headquartered in Saint Louis Park, Minnesota, established in 1950. It holds $315M in total assets - 2,422nd of 4,313 FDIC-insured banks, $267M in customer deposits, and $198M in net loans. Its capital position: a Tier 1 ratio of 17.60%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 26.14% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (57 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Independent Bank sits 81st of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$955K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Independent Bank reports a Texas Ratio of 26.14% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
26.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Independent Bank (FDIC Cert #16863) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Citizens Independent Bank's health grade?▼
Citizens Independent Bank receives a health grade of C (57/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Citizens Independent Bank?▼
Citizens Independent Bank holds $315M in total assets and $267M in deposits, ranking 2,422nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Louis Park, Minnesota.
Is my money safe at Citizens Independent Bank?▼
Yes, deposits at Citizens Independent Bank (Certificate #16863) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Independent Bank's Tier 1 Capital Ratio?▼
Citizens Independent Bank has a Tier 1 Capital Ratio of 17.60%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Independent Bank?▼
Citizens Independent Bank has a Texas Ratio of 26.14%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Independent Bank?▼
Citizens Independent Bank has an Efficiency Ratio of 83.37%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Independent Bank's profile as a depositor or analyst.
- Citizens Independent Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Independent Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.