BlastPoint's Banking Scorecard
Citizens Alliance Bank
Community
Specialty: Agricultural
MN
FDIC cert 1402
Clara City, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Citizens Alliance Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-3.6% YoY
+1.3% QoQ
|
+$88.6M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$980.5M
+4.1% YoY
+1.4% QoQ
|
+$5.0M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.3B
-4.8% YoY
+6.4% QoQ
|
+$113.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.96%
+14.7% YoY
-6.2% QoQ
|
-0.21% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.64%
+2.0% YoY
-1.1% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
63.86%
-3.7% YoY
+4.5% QoQ
|
+1.23% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.11%
-79.1% YoY
-88.9% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
76.74%
+9.4% YoY
-4.7% QoQ
|
-6.32% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.06%
-49.6% YoY
-1.3% QoQ
|
+2.02% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.07%
-77.8% YoY
-88.9% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
13.06%
+7.0% YoY
+1.6% QoQ
|
+2.82% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.54%
+22.9% YoY
+23.6% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#5 of 248 · Bottom 2% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.74% · Tier avg: 83.06%
67
67th pctile
Total Loans
Current: $980.5M · Tier avg: $975.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.06% · Tier avg: 21.05%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 10.24%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
45
45th pctile
Efficiency Ratio
Current: 63.86% · Tier avg: 62.63%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
Top Weaknesses
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
45
45th pctile
Efficiency Ratio
Current: 63.86% · Tier avg: 62.63%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 10.24%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.06% · Tier avg: 21.05%
67
67th pctile
Total Loans
Current: $980.5M · Tier avg: $975.5M
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.74% · Tier avg: 83.06%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%