Citizens Alliance Bank (FDIC #1402): Bank Stress & Real-Estate Credit Exposure
Citizens Alliance Bank (FDIC Cert #1402): bank stress 87/100, severe, STABLE over 7 days; parent FORSTROM BCORP INC.
Citizens Alliance Bank (#1402) lends in 12 counties across 2 states; Citizens Alliance Bank (#1402) reaches 144 ZIP codes: Minnesota 7 counties, 88 ZIPs; Montana 5 counties, 56 ZIPs.
Citizens Alliance Bank (#1402) largest markets: Wright County, MN (19 branches, 19 ZIPs) (#1402), Carver County, MN (18 branches, 18 ZIPs) (#1402), Cascade County, MT (36 branches, 18 ZIPs) (#1402), Missoula County, MT (17 branches, 17 ZIPs) (#1402), Kandiyohi County, MN (16 branches, 16 ZIPs) (#1402), Renville County, MN (16 branches, 16 ZIPs) (#1402).
Citizens Alliance Bank (#1402) reports $1.44 billion in total assets; Citizens Alliance Bank (#1402) equity $142.1 million (9.9% of Citizens Alliance Bank (#1402) assets); Citizens Alliance Bank (#1402) domestic deposits $1.22 billion; Citizens Alliance Bank (#1402) net income $1.4 million; Citizens Alliance Bank (#1402) return on assets 0.20%; Citizens Alliance Bank (#1402) return on equity 2.00%; Citizens Alliance Bank (#1402) net interest income $24.7 million; Citizens Alliance Bank (#1402) call report June 30, 2026.
Citizens Alliance Bank (#1402) noncurrent real-estate loans: none reported; Citizens Alliance Bank (#1402) net charge-offs on real estate 1.24%; Citizens Alliance Bank (#1402) residential charge-offs 2.56%.
Citizens Alliance Bank (#1402) net interest margin 3.65% against an eight-quarter Citizens Alliance Bank (#1402) average of 3.69% (Citizens Alliance Bank (#1402) compression 0.03 points); Citizens Alliance Bank (#1402) non-residential real estate 255.6% of equity; Citizens Alliance Bank (#1402) rate-exposure score 40/100, Citizens Alliance Bank (#1402) fixed-rate trap 40/100; Citizens Alliance Bank (#1402) risk type credit driven; Citizens Alliance Bank (#1402) rate regime rates elevated, Citizens Alliance Bank (#1402) snapshot October 19, 2026.
Citizens Alliance Bank (#1402) stress score moved from 89.3 on June 22, 2026 to 86.9 on October 19, 2026; Citizens Alliance Bank (#1402) ranged 86.9 to 89.3 over 116 snapshots.
Citizens Alliance Bank (#1402) alerts: 12 counties; top Citizens Alliance Bank (#1402) alert scores: Butte County, MN 27 (low); Granite Falls County, MN 27 (low); Great Falls County, MN 27 (low); Howard Lake County, MN 27 (low); Lake Lillian County, MN 27 (low).