TellerScore

Citizens Alliance Bank is a state-chartered bank headquartered in Clara City, Minnesota, in business for about 124 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 19 offices across 2 states.

Citizens Alliance Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 206th. Problem-loan coverage contributes the most (80/100, 9.8%); earnings contributes the least (28/100, 0.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.81%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.48%
Earnings28/100
Return on assets (annualized): 0.20%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 82.0% · 49.9% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 16 points (63 → 47), mostly because the earnings component weakened by 35 points.

TellerScore
475767Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202458
Q4 202458
Q1 202566
Q2 202563
Q3 202559
Q4 202567
Q1 202650
Q2 202647
Tier 1 leverage ratio
5.00%7.46%9.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.22%
Q3 20248.30%
Q4 20248.66%
Q1 20258.41%
Q2 20259.08%
Q3 20259.75%
Q4 20259.92%
Q1 20269.63%
Q2 20269.81%
Noncurrent loans
0.11%0.79%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.51%
Q4 20240.51%
Q1 20250.11%
Q2 20250.52%
Q3 20250.97%
Q4 20250.11%
Q1 20260.62%
Q2 20261.48%
Return on assets
-0.82%0.27%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.92%
Q4 20240.83%
Q1 20251.36%
Q2 20251.07%
Q3 20251.02%
Q4 20250.96%
Q1 2026-0.82%
Q2 20260.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$1.4B9.81%1.48%0.20%82.0%
Q1 202650$1.5B9.63%0.62%-0.82%77.2%
Q4 202567$1.5B9.92%0.11%0.96%76.7%
Q3 202559$1.5B9.75%0.97%1.02%80.6%
Q2 202563$1.5B9.08%0.52%1.07%74.3%
Q1 202566$1.6B8.41%0.11%1.36%68.1%
Q4 202458$1.5B8.66%0.51%0.83%70.2%
Q3 202458$1.5B8.30%0.51%0.92%71.2%
Q2 202458$1.6B8.22%0.48%0.94%70.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.81%
32nd
Total risk-based capital13.60%
49th
Problem loans1.48%
16th
Net charge-offs-0.00%
87th
Return on assets0.20%
4th
Net interest margin3.65%
47th
Efficiency ratio65.5%
30th
Loans to deposits82.0%
64th
Uninsured deposits49.9%
10th
Loan-loss reserves1.12%
46th
Texas ratio9.8%
18th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
North American Banking CompanyBank Roseville, MN68 out of 100, Moderate$1.5B8.9%0.51%vs
Park State BankBank Duluth, MN66 out of 100, Moderate$1.5B9.9%0.92%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs
Security Bank & Trust CompanyBank Glencoe, MN74 out of 100, Strong$1.3B9.4%0.34%vs
Premier BankBank Maplewood, MN76 out of 100, Strong$1.2B10.2%0.00%vs
First Resource BankBank Lino Lakes, MN66 out of 100, Moderate$1.1B8.3%0.09%vs

Deposit insurance

Is my money safe at Citizens Alliance Bank?

Yes. Citizens Alliance Bank is an FDIC-insured institution (FDIC certificate #1402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.9% of deposits ($609.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.60% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Citizens Alliance Bank lists 19 offices in 19 cities across 2 states. Most locations:

  • Benson, MN (1)
  • Butte, MT (1)
  • Cascade, MT (1)
  • Clara City, MN (1)
  • Drummond, MT (1)
  • Echo, MN (1)
  • Granite Falls, MN (1)
  • Great Falls, MT (1)
  • Howard Lake, MN (1)
  • Lake Lillian, MN (1)
  • Lincoln, MT (1)
  • Maynard, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Alliance Bank reported 189 home-loan applications under HMDA (LEI 549300S46DHLT3EQ9F05): 154 originated ($50,150,000 total), 16 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Alliance Bank
Former names
Citizens State Bank of Clara City
Type
State-chartered bank
FDIC certificate #
1402
RSSD ID
279954
Primary regulator
FDIC
Holding company
Forstrom Bcorp Inc
Established
July 2, 1902
Headquarters
55 1st St Nw, Clara City, MN 56222
Employees
214

Quick answers

Citizens Alliance Bank: common questions

Is Citizens Alliance Bank FDIC insured?

Yes. Citizens Alliance Bank is an FDIC-insured institution (FDIC certificate #1402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Alliance Bank's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Alliance Bank ever failed?

There is no failure record for FDIC certificate #1402 in the FDIC failed bank list.

How many branches does Citizens Alliance Bank have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Clara City

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Community Credit UnionCredit union Dawson, MN91 out of 100, Very strong$296.5M20.7%0.48%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Lake Region BankBank New London, MN84 out of 100, Strong$153.0M10.4%0.09%vs
Home State BankBank Litchfield, MN83 out of 100, Strong$218.9M11.8%0.08%vs
Co-Op Credit Union of MontevideoCredit union Montevideo, MN69 out of 100, Moderate$422.8M15.8%3.18%vs
Kensington BankBank Kensington, MN69 out of 100, Moderate$446.7M9.9%0.58%vs