🏦Bank Scorer

CITIZENS ALLIANCE BANK

CLARA CITY, MN · Supervised by FDIC

Est. 1902FDIC #1,402RSSD: FDIC-1402
Part ofFORSTROM BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.82%

Institution Profile

FDIC BankFind

Address

55 1st St Nw, CLARA CITY, MN

County

Chippewa County

Established

July 2, 1902

Total Assets

$1.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.3B

Net Loans

$969M

Net Income

$-3,009K

ROA

-0.82%

ROE

-8.32%

Risk-Based Capital

13.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.74%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

16

Branch Deposits

$1.3B

1-Year Change

+1

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415578.71%7.74%
202319182.2%6.81%
202221989.5%3.20%
202127288.24%4.41%
202028694.06%3.15%
201916689.76%6.63%
201816188.2%4.35%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/7f5c0ab2-7a30-4259-bbee-4c11cb12061a"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: