Is Citizens Alliance Bank Safe?
Citizens Alliance Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (71/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 11.92% | 76/100 |
| Nonperforming Loan Ratio | 0.48% | 90/100 |
| Liquidity Ratio | 34.65% | 100/100 |
| Return on Assets | 1.28% | 71/100 |
| Total Assets | $1.6B | |
How does Citizens Alliance Bank compare?
With a Bank Health Score of 86/100, Citizens Alliance Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Citizens Alliance Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 11.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.48% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Alliance Bank's Bank Health Score improved by 4.0 points to 86/100. Tier 1 capital strengthened by 1.10 percentage points to 11.92%.
Citizens Alliance Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (71/100).