Citizens Alliance Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Citizens Alliance Bank. The Clara City, Minnesota bank had $1.4 billion in assets at June 30, 2026, down 3.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.48% of loans from 0.52% a year earlier. It holds about half of its deposits (50%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also lost 5.7% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Earnings jumped: net income for the quarter was $4.4 million, 51% above the same quarter a year earlier. Delinquency has appeared in its $165 million non-owner-occupied commercial real estate book: 2.64% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 10.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Citizens Alliance Bank reported a CET1 capital ratio of 12.58%, a return on assets of 1.23%, a nonperforming-loan ratio of 1.48% and a Texas ratio of 10.74%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 55 1st St Nw, Clara City, MN 56222
- County
- Chippewa
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 2, 1902
- Former names
- Citizens State Bank of Clara City (1988-2010)
- Offices
- 19 domestic
- Employees (FTE)
- 214
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $11.3M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $1.45B
- Average total loans
- $999.6M
- Average interest-bearing deposits
- $1.19B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1402
- Fed RSSD
- 279954
- SEC CIK
- 1925103 → filed by FORSTROM BANCORPORATION, INC.
- Website
- www.citizensalliancebank.com →
- Parent Holding Company
- FORSTROM BANCORPORATION, INC. (RSSD 1128134)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Alliance Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Alliance Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Alliance Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens Alliance Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.58% | 1.23% | 1.48% | 10.74% | 3.73% |
| Q1 2026 | 12.91% | -0.82% | 0.62% | 4.36% | 3.63% |
| Q4 2025 | 13.06% | 0.77% | 0.11% | 0.74% | 3.60% |
| Q3 2025 | 12.86% | 0.92% | 0.97% | 6.87% | 3.48% |
| Q2 2025 | 12.69% | 0.78% | 0.52% | 3.97% | 3.65% |
| Q1 2025 | 12.56% | 1.33% | 0.11% | 0.95% | 3.93% |
| Q4 2024 | 12.21% | 0.59% | 0.51% | 3.96% | 3.79% |
| Q3 2024 | 12.09% | 0.88% | 0.51% | 3.84% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Granite Falls Branch | Granite Falls , MN | 56241 | $318.3M |
| Citizens Alliance Bank (main office) | Clara City , MN | 56222 | $249.9M |
| Butte Branch | Butte , MT | 59701 | $74.8M |
| Howard Lake Branch | Howard Lake , MN | 55349 | $74.0M |
| Great Falls, Mt Branch | Great Falls , MT | 59404 | $68.8M |
| Lake Lillian Branch | Lake Lillian , MN | 56253 | $67.6M |
| Seeley Lake Branch | Seeley Lake , MT | 59868 | $54.9M |
| Philipsburg Branch | Philipsburg , MT | 59858 | $52.9M |
| First Bank of Lincoln Branch | Lincoln , MT | 59639 | $42.9M |
| Watertown Branch | Watertown , MN | 55388 | $42.1M |
| Cascade Branch | Cascade , MT | 59421 | $37.3M |
| Drummond Branch | Drummond , MT | 59832 | $30.2M |
| Sacred Heart Branch | Sacred Heart , MN | 56285 | $30.2M |
| Echo Branch | Echo , MN | 56237 | $26.4M |
| Murdock Branch | Murdock , MN | 56271 | $26.1M |
| Montevideo Mn Branch | Montevideo , MN | 56265 | $19.5M |
| Maynard Branch | Maynard , MN | 56260 | $5.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 11, 2025 | Structure Change | Acquired Stockmens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 3, 2023 | Structure Change | Acquired Granite Mountain Bank Inc dba Granite Mountain Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2019 | Structure Change | Acquired Farmers and Merchants State Bank of Sacred Heart Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 2016 | Structure Change | Acquired First Bank of Lincoln Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 26, 2014 | Structure Change | Acquired First Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 18, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2013 | Structure Change | Acquired First State Bank of Murdock Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2011 | Structure Change | Acquired Security State Bank of Howard Lake Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2007 | Structure Change | Acquired Yellow Medicine County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2005 | Structure Change | Acquired First State Bank, Lake Lillian, Minnesota Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1991 | Structure Change | Acquired Security State Bank of Maynard Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1987 | Structure Change | Acquired Americana State Bank of Clara City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Citizens Alliance Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MN, rank 28 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 191 applications, 154 loans originated, $50.1M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $752K approved, $752K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Alliance Bank
What are Citizens Alliance Bank's total assets?
As of the Q2 2026 filing, Citizens Alliance Bank reported total assets of $1.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Alliance Bank headquartered?
Citizens Alliance Bank is headquartered in Clara City, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Citizens Alliance Bank founded?
Citizens Alliance Bank was established in 1902, per the FDIC institution directory.
Is Citizens Alliance Bank FDIC-insured?
Yes. Citizens Alliance Bank is an FDIC-insured commercial bank (FDIC Certificate #1402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Alliance Bank?
Citizens Alliance Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Alliance Bank's CET1 capital ratio?
Citizens Alliance Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Alliance Bank operate?
Citizens Alliance Bank operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Alliance Bank's Texas Ratio?
Citizens Alliance Bank's Texas Ratio is 10.74% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Alliance Bank previously called?
The charter now named Citizens Alliance Bank has also operated as Citizens State Bank of Clara City (1988-2010), per FDIC structure-change records.
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