Institution profile

Citizens Alliance Bank

Bank · Active · Headquarters: Clara City, MN

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: Citizens Alliance Bank
Display name: Citizens Alliance Bank
Institution status: Active
FDIC insured: Yes
FDIC insured since: January 1, 1934
Established date: July 2, 1902
Charter class: State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Deposit Insurance Corporation
Headquarters: Clara City, MN, 56222, United States
Website: https://www.citizensalliancebank.com
FDIC certificate number: 1402
Federal Reserve RSSD ID: 279954
Domestic location count: 17
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FDIC
Institution type: Non-member Bank
Primary activity: NAICS 52211
FDIC certificate: 1402
Federal Reserve RSSD ID: 279954
LEI: 549300S46DHLT3EQ9F05
Headquarters: 55 1st Street Northwest, Clara City, MN, 56222, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 16 of 16 listed locations

StateCity or branch

Scroll sideways to see every branch column.

Showing 1 through 16 of 16 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
ECHO OFFICE	631 2nd Ave. W.	Echo	MN	56237
GRANITE FALLS OFFICE	860 Hwy 212 W	Granite Falls	MN	56241
HOWARD LAKE OFFICE	900 Sixth Street	Howard Lake	MN	55349
LAKE LILLIAN OFFICE	451 Lakeview Street	Lake Lillian	MN	56253
MAYNARD OFFICE	240 Spicer Avenue	Maynard	MN	56260
MONTEVIDEO MN BRANCH	1406 Mn-7, Suite 101	Montevideo	MN	56265
MURDOCK BRANCH	520 Main Avenue	Murdock	MN	56271
SACRED HEART BRANCH	200 West Maple Street	Sacred Heart	MN	56285
WATERTOWN OFFICE	200 Lewis Avenue South, Suite 101	Watertown	MN	55388
BUTTE BRANCH	605 Dewey Boulevard	Butte	MT	59701
CASCADE BRANCH	117 Central Ave.	Cascade	MT	59421
DRUMMOND BRANCH	27 A Street	Drummond	MT	59832
GREAT FALLS MT BRANCH	409 3rd Street NW	Great Falls	MT	59404
LINCOLN BRANCH	503 Main Street	Lincoln	MT	59639
PHILIPSBURG BRANCH	139 E Broadway ST	Philipsburg	MT	59858
SEELEY LAKE BRANCH	3084 Highway 83 North	Seeley Lake	MT	59868

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: February 1, 2025
Regulator: FDIC
Examination method: Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
February 1, 2025	Satisfactory	FDIC	Intermediate Small Bank
November 1, 2021	Satisfactory	FDIC	Intermediate Small Bank
November 1, 2018	Satisfactory	FDIC	Intermediate Small Bank
November 1, 2015	Satisfactory	FDIC	Intermediate Small Bank
May 1, 2013	Satisfactory	FDIC	Intermediate Small Bank
March 1, 2010	Satisfactory	FDIC	Intermediate Small Bank
December 1, 2004	Satisfactory	FDIC	Small Bank
December 1, 1998	Outstanding	FDIC	Small Bank
February 1, 1996	Outstanding	FDIC	Not Reported
April 1, 1994	Outstanding	FDIC	Not Reported
April 1, 1992	Satisfactory	FDIC	Not Reported

Read the methodology

Institutional history

11 FFIEC NIC history events

Showing 1 through 11 of 11 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
January 11, 2025	Charter Discontinued (Merger or Purchase & Assumption)	—
June 3, 2023	Charter Discontinued (Merger or Purchase & Assumption)	—
August 17, 2019	Charter Discontinued (Merger or Purchase & Assumption)	—
April 23, 2016	Charter Discontinued (Merger or Purchase & Assumption)	—
April 26, 2014	Charter Discontinued (Merger or Purchase & Assumption)	—
May 18, 2013	Charter Discontinued (Merger or Purchase & Assumption)	—
October 15, 2011	Charter Discontinued (Merger or Purchase & Assumption)	—
May 1, 2007	Charter Discontinued (Merger or Purchase & Assumption)	—
October 1, 2005	Charter Discontinued (Merger or Purchase & Assumption)	—
April 1, 1991	Charter Discontinued (Merger or Purchase & Assumption)	—
September 1, 1987	Charter Discontinued (Merger or Purchase & Assumption)	AMERICANA STATE BANK OF CLARA CITY

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

2 FFIEC NIC relationship records

Showing 1 through 2 of 2 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
Direct relationship	CITIZENS ALLIANCE AGENCY, INC	Domestic Entity Other	Clara City, MN
ROOT_INSTITUTION	CITIZENS ALLIANCE BANK	Non-member Bank	Clara City, MN

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered nonmember bank