Citizens Alliance Bank
Clara City, MN · Cert 1402 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Forstrom Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
$1.4BAssets
$1.0BLoans
$1.2BDeposits
$142.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 89% of banks $1B-$10B in assets operating regionally (rank 21 of 176).
- Widest gap: return on equity trails 98% of banks $1B-$10B in assets operating regionally (rank 172 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.20%
Rank 172 of 176
Net Interest Margin
3.44%
Rank 102 of 176
Efficiency Ratio
68.61%
Rank 136 of 176
Equity / Assets
9.89%
Rank 105 of 176
Non-interest income vs. expense
Unfavorable gap of $31.4M · efficiency ratio beats 23% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.20% | 0.93% | 1.26% | 1.54% | Beats 2% | 172 / 176 | | |
| Return on Equity | 2.02% | 9.26% | 11.89% | 14.46% | Beats 2% | 172 / 176 | | |
| Net Interest Margin | 3.44% | 3.25% | 3.59% | 3.93% | Beats 42% | 102 / 176 | | |
| Efficiency Ratio | 68.61% | 52.79% | 59.55% | 67.66% | Beats 23% | 136 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.48% | 0.30% | 0.64% | 1.32% | Beats 18% | 146 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 89% | 21 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.58% | 11.15% | 12.72% | 14.15% | Beats 47% | 94 / 176 | | |
| Total Risk-Based Capital Ratio | 13.60% | 11.81% | 13.63% | 15.33% | Beats 49% | 90 / 176 | | |
| Equity / Assets | 9.89% | 9.16% | 10.35% | 11.80% | Beats 40% | 105 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.91% | 80.94% | 89.73% | 97.21% | 30th pctl | 123 / 176 | | |
| Loans / Assets | 70.50% | 69.25% | 75.12% | 80.82% | 29th pctl | 125 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |