| Metric | Citizens Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +5.5% | -8.8 pts |
| Deposit growth (YoY) | -5.7% | +5.1% | -10.8 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -1.9 pts |
| ROA | 0.20% | 1.26% | -1.1 pts |
| ROE | 2.0% | 12.2% | -10.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.44B | $1.22B | $1.00B | $142.1M | $1.4M | 0.20% | 3.65% | 1.04% |
| Q1 2026 | $1.45B | $1.26B | $969.3M | $142.6M | $-3.0M | -0.82% | 3.61% | 0.42% |
| Q4 2025 | $1.48B | $1.28B | $980.5M | $146.6M | $14.4M | 0.96% | 3.64% | 0.07% |
| Q3 2025 | $1.46B | $1.20B | $967.4M | $142.4M | $11.6M | 1.02% | 3.68% | 0.65% |
| Q2 2025 | $1.48B | $1.30B | $962.4M | $134.0M | $8.3M | 1.07% | 3.82% | 0.35% |
| Q1 2025 | $1.59B | $1.40B | $951.5M | $132.0M | $5.3M | 1.36% | 3.98% | 0.08% |
| Q4 2024 | $1.54B | $1.34B | $941.5M | $125.1M | $12.9M | 0.83% | 3.57% | 0.32% |
| Q3 2024 | $1.51B | $1.31B | $933.3M | $127.7M | $10.7M | 0.92% | 3.54% | 0.32% |
Loan mix (Q2 2026): real estate $741.2M · commercial $114.4M · consumer $7.8M · securities $287.7M
| Ratio | Citizens Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.26% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 12.2% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 59.0% | 70th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Citizens Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Citizens Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Citizens Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Citizens Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Citizens Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
16 branches in 12 counties across 2 states (+1 vs 2024) · $1.30B branch deposits. Biggest market: Chippewa, MN, ranked 1st with 55.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chippewa, MN | 2 | $386.4M | 55.23% | 1st |
| Yellow Medicine, MN | 2 | $315.1M | 46.00% | 1st |
| Cascade, MT | 2 | $98.8M | 3.53% | 9th |
| 9 more counties with Pro → | ||||
Minnesota: 30th with 0.29% · Montana: 19th with 0.77% · Minneapolis-St. Paul-Bloomington metro: 109th, 0.05% · Great Falls metro: 9th, 3.53% ·
Branch count: 2022 12 · 2023 15 · 2024 15 · 2025 16