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Citizens Alliance Bank

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

Designations: ✓ Community bank

Clara City, MN

17 branches across MN · MT

884 banks in the $1B-$10B peer group nationally 16 in MN
View $1B-$10B leaderboard (MN) →

Citizens Alliance Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.1% in tier
  • - Credit Risk Growth: Bottom 32.4% in tier
  • - Return on Assets 2.19% below tier average
  • - Net Interest Margin 0.21% below tier average
  • - Efficiency Ratio 5.27% above tier average
Get updates when Citizens Alliance Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $1.5B
-8.4% YoY -1.8% QoQ
-$1.4B $2.8B
-0.1% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $969.3M
+1.9% YoY -1.1% QoQ
-$995.5M $2.0B
+0.6% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
30%
Total Deposits ? $1.3B
-10.2% YoY -1.8% QoQ
-$1.1B $2.3B
-0.3% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
35%
Return on Assets ? -0.82%
-160.5% YoY -185.8% QoQ
-2.19% 1.37%
+19.6% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
Bottom 1.0% in tier
Net Interest Margin ? 3.61%
-9.2% YoY -0.8% QoQ
-0.21% 3.82%
+6.9% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
48%
Efficiency Ratio ? 66.33%
+30.8% YoY +3.9% QoQ
+5.27% 61.06%
-4.6% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
31%
Delinquency Rate ? 0.63%
+440.6% YoY +479.1% QoQ
-0.26% 0.89%
+14.1% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
45%
Loan-to-Deposit Ratio ? 77.22%
+13.4% YoY +0.6% QoQ
-6.98% 84.20%
+0.3% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
72%
Non-Interest-Bearing Deposit Share ? 22.72%
-46.9% YoY -1.5% QoQ
+1.43% 21.29%
-2.5% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
64%
Nonperforming Asset Ratio ? 0.42%
+455.1% YoY +483.1% QoQ
-0.26% 0.67%
+15.6% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 12.91%
+2.8% YoY -1.2% QoQ
-2.25% 15.16%
+2.0% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.15%
-20.5% YoY -72.5% QoQ
-0.11% 0.26%
+1.6% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
52%

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 (2)

Deposit Outflow

decline
#1 of 130 • Bottom 0.1% in tier

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

130 of 130 Mid-Market banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#137 of 420 • Bottom 32.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

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).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

876
Return on Assets
profitability
Value: -0.82%
Peer Median: 1.37%
#876 of 884 Bottom 1.0% in $1B-$10B
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