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Citizens Alliance Bank
Clara City, MN · FDIC Certificate #1402 · Chartered 07/0
Total assets
$1.44B
Total deposits
$1.22B
Total equity
$142.08M
Net loans
$1.00B
Branches (offices)
17
Net income (YTD)
$1.44M
Rank: #771 of 4,213 U.S. banks by assets · #12 of 221 in Minnesota. Assets changed -3.3% and deposits -5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.20% |
| Return on equity | 2.00% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 9.89% |
| Tier 1 leverage ratio | 9.81% |
| Uninsured deposits (share of deposits) | 49.9% |
| Noncurrent loans (share of loans) | 1.48% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 82.0% |
| Real estate loans (share of loans) | 74.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $741.24M | 74.0% | |
| Commercial & industrial | $114.39M | 11.4% | |
| Consumer / individual | $7.85M | 0.8% | |
| Construction & development | $93.60M | 9.3% | |
| Agricultural | $132.56M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.18B | $1.04B | $5.84M | $94.41M |
| Jun 2023 | $1.40B | $1.18B | $4.89M | $103.57M |
| Jun 2024 | $1.56B | $1.33B | $7.36M | $119.77M |
| Jun 2025 | $1.48B | $1.30B | $8.25M | $134.00M |
| Jun 2026 | $1.44B | $1.22B | $1.44M | $142.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $859.29M | 10 |
| Montana | $361.88M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
Watertown Savings Bank ($1.44B) · Washington Financial Bank ($1.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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