# CITIZENS ALLIANCE BANK
CLARA CITY, MN · FDIC certificate 1402 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.44B | |
| Deposits | $1.22B | |
| Loans and leases | $1.01B | |
| Total equity | $142.1M | |
| Loans / deposits | 81.98% (p37 of band) | 87.10% |
| Liquid assets / assets | 23.94% (p60 of band) | |
| Uninsured deposits / deposits | 49.89% (p90 of band) | 30.76% |
| Brokered deposits | 5.70% | |
| Wholesale funding | 10.30% (p66 of band) | |
| FHLB advances / assets | 4.53% | |
| Tier 1 leverage | 9.81% (p32 of band) | 10.50% |
| Unrealized securities loss / equity | -12.23% (p34 of band) | -7.75% |
| AOCI / equity | -0.47% (p37 of band) | |
| ROA (annualized) | 0.20% (p4 of band) | 1.26% |
| Net interest margin | 3.65% (p47 of band) | 3.70% |
| Efficiency ratio | 65.55% (p70 of band) | |
| Noncurrent loans | 1.48% (p84 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 75.84% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 65.88% (p68 of band) | |
| Auto loans | $1.6M (0.16% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $13.3M (9% of equity) (p87 of band) | |
| Deposits YoY | -5.7% | |
| Employees | 214 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 1 | reserve under noncurrent | losing money, expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2020-03 | 3 | wholesale funding >15%, charge-offs p90 | brokered >10% |
| 2020-06 | 3 | brokered >10% | reserve under noncurrent |
| 2020-09 | 3 | capital falling | brokered >10% |
| 2020-12 | 0 |  | wholesale funding >15%, charge-offs p90, capital falling |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | capital falling, securities losses >30% of equity | uninsured deposits >50% |
| 2023-09 | 3 | uninsured deposits >50% |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | deposits shrinking, assets shrinking |  |
| 2025-03 | 1 |  | deposits shrinking, assets shrinking |
| 2025-06 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50% |
| 2025-09 | 2 | deposits shrinking | brokered >10%, wholesale funding >15% |
| 2025-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2026-03 | 3 | losing money, deposits shrinking, assets shrinking |  |
| 2026-06 | 2 | reserve under noncurrent | losing money, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-05 [Citizens Alliance Bank, Agency open in new space in Montevideo, Minnesota - West Central Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSmVCZ3NDTHVEcThGZDlKaXVrXzdfdTkxSEZwZHFYd1NzbjdoR2lNLTFJZl90ZWNyeF9vaEJVNW14VkdjYmtXbXJtUEtDVEgxX3lLeThjWm4wZDgwcEZYYzVZTTFFRTU4TTVJZmhUN2FPZTNIVE1FVGJFOEFkS2hVcHAxRFJseno1UUVjdXo2bWluLWY3SEczRHJpZmZEMEE3MTZwMjJB?oc=5) · West Central Tribune
- 2024-10-19 [Citizens Alliance Bank plans to buy Stockmens Bank - KRTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ3ExU3B3dVdSUW1VUEkwZUh1MThGMWVsS3gyd3BLVTZvY2VaRlJVZEYwWlpROHJqcUdWSVowV0NSdTlweXpNTENqeGZ6ZEpEQTljUkV0WUp1MnFqN0hFWWJzT1dvU0wyU2FBM0lwSXRvVG5sSmVKT0lRa3ZuYUZzZ3JabTNRcmdFamU1WHhBMF92NlNfdFJsR1c4OElYNFU?oc=5) · KRTV
- 2020-06-29 [Business Bites: Todd’s Music; Citizens Alliance Bank; Fit Republic - theelectricgf.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUkhxbmE1c3RBYS1hMUVfYWlwUTVZYnZNM3hrR2pfYmZwTUlEcVJjc2lGTjFJYzAyM3RBRWUyeGFPV2tQZlFUVWZKWi05WVVkbGxDcFZwa3hTMi1IaWdKR2c5LVpnXzRKY0d6cjVnc1d5dW9MX08wRWJIeFBib2F4VWVSR2Y2Y3Z4MEctRTU0ay1zWGtLLXdjcWg3QWxYcUpMU2fSAacBQVVfeXFMTmVsZzVtQWIzMFRFWEE1VEZ1TGZ0WUt0dE82RktBeUZZQXl0aU1hYW12U0xUM0tqU1VuVkRmdDFmZGRLYV90TmtJc0pkVFZ5eUpvSnJTNkMybUJXYkZBMmxScGMwVEZOemplUi1odGo5dkJXcXh1UW5HQU5iVkkwOGNqV1luVmtRTnJBellSNGFQVmtiX0lzUkRhRlZSTDI0YWZNVTcxTm8?oc=5) · theelectricgf.com
- 2017-03-31 [Fritz joins Citizens Alliance Bank - Great Falls Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxOdl9pc2FuWFZQSnlUSG5mRWFZX0NSTVdpeG52R1BVMndjMHV0a3c0QTl0RmRuRll2UkZqeHBKSlFmXzVNUElFaTVXMUtQSnRwX1MyRHZscTVRVzdhd3hCVDB6a19zUWFzUUlxcHRPUzVjUTRyNXV5SG9MNTNIeUZvaEh5bWFZdXprdWdwSjJTTmhXYnVfWGsxYWg5TnFPb09pUkpZ?oc=5) · Great Falls Tribune
- 2025-11-21 [Ziggi’s Coffee now open in Montevideo, Minnesota - West Central Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbGItM2hXQXJJYndwbFRvSG5rOVg2dG9TdGF1UmtOTFEycmRwU2VRZUx2RFJZM1Bvb3QzRGJHaXFlVFZUY0hhYnVBVTBoVHJrRzlYMXZmbnhXS3hrSGRHZ2Rfb2lDWFpuc3I4eWdsN0tXWVFDS0lIOHk2UDZFbFhiU3dhY2Q?oc=5) · West Central Tribune
- 2011-10-21 [Security State Bank in HL now Citizens Alliance Bank - Herald Journal Publishing](https://news.google.com/rss/articles/CBMipwFBVV95cUxOY05VVHFFOW52d0s1a0R6RVpUQWxFWF9NdkhveTB1U1EzSjFxdmdZcGJ3OGEwcDlCVUVRZFJjQXk2RVFSNHV1MXJienVyZFdmeFBVTENkT1FMSlRxb09qdWR1RDFIZWptV3hHS2hWaW05cWpHcVRrLXZadVBjd0hhUE8tbzFJZnh3aXlGQjJlcHZWcHQyMDJBX2FjTmZzTkNualJhTmRqYw?oc=5) · Herald Journal Publishing
- 2023-06-16 [Citizens Alliance Bank completes acquisition of Granite Mountain Bank - West Central Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTVZCWnZ4X2xBREFxUmpmN2xZaHQycEY4cjN0U29qMnBESk5oTll5WTJMc21aY2dTc0hJZTlRODZqWE9ibVBibXV4bDlNeVJ4Q0hYa0ZabmVqUmMwRzdjVURrOXBYTVo0cHMyT3A0dWxhRmtHODM3dURpLTR6X1lHcmhRY1BuU1JYQTdGS3JJa1FaM1pXeFJDRk12bmpDcHBkcENr?oc=5) · West Central Tribune
- 2020-06-24 [Citizens Alliance Bank announces insurance agency changes - West Central Tribune](https://news.google.com/rss/articles/CBMikwFBVV95cUxPclIzX3pNUmJIc1pPZDZrNm91NGhuc29KNnh3VVk5XzV6RlFXN2pPdFg3elBMMG5qVjN0aFByQmE5UDhZSzU0ZWZXNzBGdFlVTTZVbzRDTWM5UThuX0tJZU1DZmViVHJNUDVKVlZVUE9yeV9jd3FFQXFVWDVyN0t5aE5yd3VEZ0RuNHlGTy1xWE5nM2s?oc=5) · West Central Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1402 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "1402", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide