B
Citizens Alliance Bank
Rating Date
October 2025
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 6.60
Capitalization Index 8.10
Liquidity Index 2.80
Profitability Index 4.90
Stability Index 7.70
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 -3.18%
5-Year Asset Growth 16.26%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 6.26%
Non-Performing Loans to Loans 0.13%
Balance Sheet Citizens Alliance Bank
Clara City, MN
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Total Assets 1.46B
Total Deposits 1.20B
Capital and Reserves Citizens Alliance Bank
Clara City, MN
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Capital 142.36M
Leverage Ratio 9.75
Loan Loss Reserves to Loans 1.11%
Risk-Based Capital Ratio 13.86
Liquidity Citizens Alliance Bank
Clara City, MN
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Hot Money Ratio 23.42%
Liquidity Ratio 14.38%
Profitability Citizens Alliance Bank
Clara City, MN
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5-Year Return on Average Assets 1.08%
Net Income 11.60M
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 64.94%
Return on Assets 1.01%
Return on Equity 11.61%