Citizens Alliance Bank
Citizens Alliance completed a merger involving an acquired institution in January 2025. Asset quality shifted last quarter — NPLs rose to 1.75% from 1.02% in the prior period. Citizens Alliance Bank is the primary bank subsidiary of its parent holding company, headquartered in Clara City, MN. The Q1 2026 balance sheet stands at $1.5B in assets, including $981M in loans. The bank reported a loss in the most recent quarter, with ROA at -0.82% and ROE at -8.32%. Capital cushions are healthy: 12.91% CET1, 9.63% Tier 1 leverage. Credit conditions bear watching: 1.75% NPL ratio with a 12.94% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 17 branches concentrated in Minnesota.
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
- Fed District
- 11
- Established
- July 2, 1902
- Branches
- 17 domestic
- Employees (FTE)
- 218
- FDIC Cert
- 1402
- Fed RSSD
- 279954
- Parent Holding Company
- FORSTROM BANCORPORATION, INC. (RSSD 1128134)
Capital & Liquidity
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Citizens Alliance Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events.
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Frequently asked about Citizens Alliance Bank
What are Citizens Alliance Bank's total assets?
As of the Q1 2026 filing, Citizens Alliance Bank reported total assets of $1.45 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 12.91% in its most recent quarterly filing — above regulatory minimums.
How many branches does Citizens Alliance Bank operate?
Citizens Alliance Bank operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Alliance Bank's Texas Ratio?
Citizens Alliance Bank's Texas Ratio is 12.94% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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