CITIZENS INDEPENDENT BANK

SAINT LOUIS PARK, MN | Small | Est. Jan. 16, 1950, midnight | FDIC #16863 | RSSD #825753 | FDIC
Latest Report: 2025-12-31

CITIZENS INDEPENDENT BANK is asn small FDIC-insured commercial bank headquartered in SAINT LOUIS PARK, MN, established in Jan. 16, 1950, midnight. As of 2025-12-31, the bank reported total assets of $315M and total deposits of $267M. Profitability stands at -0.02% ROA and -0.17% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 17.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.62% and a Texas Ratio of 26.14%. FDIC Certificate #16863.

Assets

$315M

Deposits

$267M

Loans

$203M

Equity

$31M

Profitability

Return on Assets (ROA) -0.02%
Return on Equity (ROE) -0.17%
Net Interest Margin (NIM) 3.89%
Yield on Assets 5.07%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 4.62%
Net Charge-Off Ratio 0.01%
Texas Ratio 26.14%
NPA Ratio 2.98%
ACL / Loans 2.36%

Capital & Liquidity

CET1 Ratio 17.60%
Tier 1 Capital 17.60%
Total Capital Ratio 18.86%
Leverage Ratio 12.20%
Loan-to-Deposit 76.01%

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