Citizens Alliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Alliance Bank of Clara City, MN against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.23% | 1.46% | -0.23% | 46th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.50% | 12.69% | -0.19% | 51st above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.73% | 3.85% | -0.12% | 52nd above |
| Efficiency Ratio | 63.46% | 57.40% | +6.06% | 35th below |
| PPNR / Avg Assets | 1.26% | 1.88% | -0.62% | 25th below |
| Yield on Earning Assets | 5.74% | 5.72% | +0.02% | 62nd above |
| Cost of Funds | 1.77% | 2.02% | -0.25% | 64th above |
| Net Interest Spread | 3.02% | 3.18% | -0.16% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.19% | 1.00% | +1.19% | 9th bottom |
| NPA / Total Assets | 1.55% | 0.76% | +0.79% | 11th bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 73rd above |
| ACL / Total Loans | 1.12% | 1.31% | -0.19% | 45th below |
| ACL / NPLs (Coverage) | 51.10% | 564.65% | -513.55% | 9th bottom |
| Texas Ratio | 19.01% | 7.38% | +11.63% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.58% | 17.34% | -4.76% | 34th below |
| Tier 1 Ratio | 12.58% | 17.37% | -4.79% | 34th below |
| Total Capital Ratio | 13.60% | 18.42% | -4.82% | 32nd below |
| Leverage Ratio | 9.81% | 11.44% | -1.63% | 32nd below |
| Equity / Assets | 9.89% | 11.34% | -1.45% | 41st below |
| TCE / Tangible Assets | 9.00% | 10.50% | -1.50% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.91% | 86.96% | -4.05% | 64th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 85.82% | 85.55% | +0.27% | 37th below |
| Uninsured Deposit Ratio | 49.89% | 33.12% | +16.77% | 9th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.60% | 5.70% | -1.10% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.29% | 9.69% | -12.98% | 5th bottom |
| Loan Growth (Y/Y) | 4.04% | 8.06% | -4.02% | 41st below |
| Deposit Growth (Y/Y) | -5.71% | 7.88% | -13.59% | 4th bottom |
See Citizens Alliance Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Alliance Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Alliance Bank profile, how to read a UBPR, or how this data updates.