B
Citizens Alliance Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Alliance Bank
Clara City, MN
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Rating B
Asset Quality Index 7.20
Capitalization Index 8.40
Liquidity Index 2.60
Profitability Index 4.70
Stability Index 7.90
Company Info Citizens Alliance Bank
Clara City, MN
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FDIC Number 1402
Phone Number (320) 847-3702
Website www.citizensalliancebank.com
Asset Quality Citizens Alliance Bank
Clara City, MN
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1-Year Asset Growth -3.64%
5-Year Asset Growth 11.68%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.68%
Non-Performing Loans to Capital 3.76%
Non-Performing Loans to Loans 1.02%
Balance Sheet Citizens Alliance Bank
Clara City, MN
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Total Assets 1.48B
Total Deposits 1.28B
Capital and Reserves Citizens Alliance Bank
Clara City, MN
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Capital 146.65M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 14.05
Liquidity Citizens Alliance Bank
Clara City, MN
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Hot Money Ratio 24.34%
Liquidity Ratio 16.11%
Profitability Citizens Alliance Bank
Clara City, MN
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5-Year Return on Average Assets 1.08%
Net Income 14.44M
Net Interest Spread 3.67%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 67.63%
Return on Assets 0.96%
Return on Equity 10.61%