CITIZENS ALLIANCE BANK

CLARA CITY, MN | Large | Est. July 2, 1902, midnight | FDIC #1402 | RSSD #279954 | FDIC
Latest Report: 2025-12-31

CITIZENS ALLIANCE BANK is aln large FDIC-insured commercial bank headquartered in CLARA CITY, MN, established in July 2, 1902, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.3B. Profitability stands at 0.77% ROA and 7.85% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 13.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.39%. FDIC Certificate #1402.

Assets

$1.5B

Deposits

$1.3B

Loans

$991M

Equity

$147M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 7.85%
Net Interest Margin (NIM) 3.57%
Yield on Assets 5.81%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.39%
NPA Ratio 0.04%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 13.06%
Tier 1 Capital 13.06%
Total Capital Ratio 14.05%
Leverage Ratio 9.92%
Loan-to-Deposit 77.59%

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