Citizens Alliance Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 14.53 percentage points in Q2 2026, from 65.63% to 51.10%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Citizens Alliance Bank is 134th of 221 on return on assets, 1.23% as of Q2 2026, below the middle of the field. Citizens Alliance Bank reported 1.23% on return on assets for Q2 2026, 0.05 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.60% |
| Tier 1 leverage ratio | 9.81% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.19% |
| Non-performing assets ratio | 1.55% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 19.01% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 51.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 12.50% |
| Net interest margin | 3.73% |
| Efficiency ratio | 63.46% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.91% |
| Core deposits to total deposits | 85.82% |
| Brokered deposits to total deposits | 6.71% |
| Deposits to assets | 85.03% |
| Securities to assets | 20.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 10.82% | 11.78% | 7.81% | 0.79% |
| Q4 2023 | 10.83% | 10.83% | 11.83% | 7.68% | 0.65% |
| Q1 2024 | 11.71% | 11.71% | 12.73% | 7.93% | 1.09% |
| Q2 2024 | 11.92% | 11.92% | 12.89% | 8.22% | 0.82% |
| Q3 2024 | 12.09% | 12.09% | 13.03% | 8.30% | 0.88% |
| Q4 2024 | 12.21% | 12.21% | 13.19% | 8.66% | 0.59% |
| Q1 2025 | 12.56% | 12.56% | 13.60% | 8.41% | 1.33% |
| Q2 2025 | 12.69% | 12.69% | 13.70% | 9.08% | 0.78% |
| Q3 2025 | 12.86% | 12.86% | 13.86% | 9.75% | 0.92% |
| Q4 2025 | 13.06% | 13.06% | 14.05% | 9.92% | 0.77% |
| Q1 2026 | 12.91% | 12.91% | 13.95% | 9.63% | -0.82% |
| Q2 2026 | 12.58% | 12.58% | 13.60% | 9.81% | 1.23% |
Citizens Alliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Alliance Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1402) · FFIEC NIC profile (RSSD 279954)