Citizens Alliance Bank
Clara City, MN
IDRSSD: 279954
Total Assets
$1.46B
Latest filing
Total Deposits
$1.20B
Latest filing
Net Interest Margin
3.41%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/02/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56222 |
| State and County Number | 27023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 217 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/10/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizensalliancebank.com |
| Data Updated | 11/14/2025 |
| CERT | 1402 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.46B |
| Total Deposits | $1.20B |
| Total Liabilities | $1.32B |
| Total Equity Capital | $142.36M |
| Net Income | $3.35M |
| Net Loans and Leases | $967.37M |
| Assets Per Employee ($Millions) | $6.74M |
| Bank Premises and Fixed Assets | $32.77M |
| Cash and Balances due from Depository Institutions | $82.15M |
| Deposits Held in Domestic Offices | $1.20B |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 9.69% |
| Net Interest Margin | 3.41% |
| Efficiency Ratio | 67.9% |
| Tier 1 Risk-Based Capital Ratio | 12.859% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.74% |
| Earning Assets to total Assets | 92.15% |
Income and Expense
| Total Interest Income | $19.56M |
| Total Noninterest Income | $1.78M |
| Total Interest Expense | $7.93M |
| Total Noninterest Expense | $9.65M |
| Net Interest Income | $11.62M |
| Pre-tax Net Operating Income | $3.70M |
| Provision for Credit Losses | $58.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $110.09M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.36M |
| Total Liabilities and Capital | $1.46B |
Securities
| Securities | $310.38M |
| Available-for-sale debt securities | $310.18M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Alliance Bank?
$1.46B as of the latest filing.
How much are Citizens Alliance Bank's total deposits?
$1.20B in total deposits.
Where is Citizens Alliance Bank located?
Clara City, MN.
What is the Net Interest Margin?
3.41%.
How many domestic offices does it operate?
17.
When was it established?
07/02/1902.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$967.37M (latest filing).
What is the total interest income (latest filing)?
$19.56M.