Citizens Independent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Independent Bank of Saint Louis Park, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.51% | 1.34% | -0.83% | 13th bottom |
| ROAE | 5.27% | 13.32% | -8.05% | 15th bottom |
| Net Interest Margin | 3.96% | 3.93% | +0.03% | 51st above |
| Efficiency Ratio | 83.50% | 61.13% | +22.37% | 10th bottom |
| PPNR / Avg Assets | 0.68% | 1.68% | -1.00% | 12th bottom |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 23rd bottom |
| Cost of Funds | 1.15% | 1.88% | -0.73% | 87th top |
| Net Interest Spread | 3.73% | 3.32% | +0.41% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 64th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 43rd below |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 429.63% | 1539.04% | -1109.41% | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.99% | 7.33% | -3.34% | 47th below |
| Provision / NCO | 0.00% | 1396.13% | -1396.13% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.44% | 19.50% | -2.06% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.44% | 19.54% | -2.10% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.29% | 20.62% | -2.33% | 64th above |
| Leverage Ratio | 12.31% | 12.14% | +0.17% | 68th above |
| Equity / Assets | 9.93% | 11.37% | -1.44% | 44th below |
| TCE / Tangible Assets | 9.93% | 11.09% | -1.16% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.24% | 80.64% | -2.40% | 55th above |
| Core Deposit Ratio | 96.28% | 86.86% | +9.42% | 90th top |
| Wholesale Funding Ratio | 2.79% | 5.03% | -2.24% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.53% | 6.86% | -10.39% | 7th bottom |
| Loan Growth (Y/Y) | -1.62% | 7.91% | -9.53% | 16th bottom |
| Deposit Growth (Y/Y) | 1.49% | 6.29% | -4.80% | 32nd below |
See Citizens Independent Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Independent Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Independent Bank profile, how to read a UBPR, or how this data updates.