BlastPoint's Banking Scorecard

Citizens Alliance Bank

$1B-$10B Specialty: Agricultural MN FDIC cert 1402

Designations: ✓ Community bank

Clara City, MN

19 branches across MN · MT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
Deposits -5.7% year over year ($1.2B on the books).
Delinquency rate 1.49%.
Return on assets 0.20%.
Efficiency ratio 65.55% vs a 59.73% peer average.
Loan-to-deposit ratio 81.98% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN

View $1B-$10B leaderboard (MN) →

Citizens Alliance Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 15.3% in tier
- Return on Assets 1.19% below tier average
- Net Interest Margin 0.22% below tier average
- Efficiency Ratio 5.82% above tier average
- Delinquency Rate 0.63% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.4B -3.3% YoY -1.2% QoQ	-$1.4B	$2.8B -0.6% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$1.0B +4.0% YoY +3.3% QoQ	-$962.1M	$2.0B -0.3% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$1.2B -5.7% YoY -2.7% QoQ	-$1.1B	$2.3B -0.5% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	0.20% -81.6% YoY +124.1% QoQ	-1.19%	1.39% +17.0% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 2.8% in tier
Net Interest Margin ?	3.65% -4.2% YoY +1.2% QoQ	-0.22%	3.87% +6.2% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	65.55% +12.5% YoY -1.2% QoQ	+5.82%	59.73% -12.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	1.49% +185.0% YoY +138.1% QoQ	+0.63%	0.87% +11.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	81.98% +10.3% YoY +6.2% QoQ	-3.06%	85.04% -0.1% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	23.80% +1.8% YoY +4.7% QoQ	+2.52%	21.27% -1.5% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	1.04% +201.6% YoY +149.2% QoQ	+0.37%	0.67% +11.7% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	12.58% -0.9% YoY -2.5% QoQ	-2.26%	14.84% -0.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.27% -12.8% YoY +81.5% QoQ	-0.26%	0.53% +2.5% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	23.8% +0.4pp YoY +1.1pp QoQ	+2.4pp	21.4%	21.9%	22.2%	67%
Brokered Deposits	6.7% -8.0pp YoY +0.1pp QoQ	-2.8pp	9.5%	8.3%	8.5%	57%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	11.4% -1.2pp YoY -0.3pp QoQ	-2.6pp	14.0%	14.6%	12.5%	51%
CRE	43.4% +3.6pp YoY +0.3pp QoQ	-6.6pp	50.0%	36.5%	41.4%	31%
1-4 Family	15.8% +1.1pp YoY +0.1pp QoQ	-10.7pp	26.4%	29.4%	31.3%	33%
Consumer	0.8% -0.2pp YoY -0.1pp QoQ	-3.9pp	4.7%	4.5%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	12.6% -0.1pp YoY -0.3pp QoQ	-3.0pp	15.6%	16.5%	19.7%	34%
Leverage Ratio	9.8% +0.7pp YoY +0.2pp QoQ	-1.5pp	11.3%	11.0%	12.6%	32%
Total Capital Ratio	13.6% -0.1pp YoY -0.4pp QoQ	-3.1pp	16.7%	17.6%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	214 -3 (-1.4%) YoY -4 (-1.8%) QoQ	-100	313	55	482	45%
Assets per Employee ($)	$6.7M -1.9% YoY +0.7% QoQ	-$3.8M	$10.5M	$8.6M	$8.8M	20%
Branch Count	17 0 YoY 0 QoQ	-3	20	4	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp YoY +0.3pp QoQ	+0.3pp	0.2%	0.4%	0.4%	93%
Nonaccrual	1.1% +0.9pp YoY +0.5pp QoQ	+0.2pp	0.8%	1.0%	1.0%	76%
Allowance Coverage	0.76x -64.7% YoY -59.0% QoQ	-17.95x	18.71x	20.41x	20.23x	14%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	2.0% -10.7pp YoY +10.3pp QoQ	-10.6pp	12.6%	13.1%	11.6%	3%
Cost of Funds (YTD)	2.1% +0.1pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.7%	1.7%	62%
Net Income ($, YTD)	$1.4M -82.6% YoY — QoQ	-$17.8M	$19.2M	$4.5M	$40.4M	2%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#21 of 131 • Bottom 15.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

861

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.39%

#861 of 885 Bottom 2.8% in $1B-$10B

740

Delinquency Rate

credit_quality

Value: 1.49%

Peer Median: 0.87%

#740 of 882 Bottom 16.2% in $1B-$10B

703

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#703 of 885 Bottom 20.7% in $1B-$10B