Bank · FDIC insured
Citizens Alliance Bank
A $1.4B bank headquartered in Clara City, MN, with 19 branches in 2 states. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.75%CD rates →
- Savings—3.45%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Alliance Bank
Starting in Clara City, Minnesota, Citizens Alliance Bank has been operating for over 120 years and has completed transitions in Benson and Renville.
The bank serves neighbors across rural Minnesota as well as urban and rural Montana.
- Headquarters
- 55 1st St Nw, Clara City, MN 56222
- FDIC certificate
- 1402 ↗
Branches
19 branches in 2 states
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Minnesota
12 branches
Clara City area · 1
- Citizens Alliance BankMain office55 1st St Nw, Clara City, MN 56222Directions
Benson area · 1
- Benson Branch215 13th St S, Benson, MN 56215Directions
Echo area · 1
- Echo Branch631 2nd Ave W, Echo, MN 56237Directions
Granite Falls area · 1
- Granite Falls Branch860 Highway 212 W, Granite Falls, MN 56241Directions
Howard Lake area · 1
- Howard Lake Branch900 6th St, Howard Lake, MN 55349Directions
Lake Lillian area · 1
- Lake Lillian Branch451 Lakeview St, Lake Lillian, MN 56253Directions
Maynard area · 1
- Maynard Branch240 Spicer Avenue, Maynard, MN 56260Directions
Montevideo area · 1
- Montevideo Mn Branch1406 E Highway 7, Montevideo, MN 56265Directions
Murdock area · 1
- Murdock Branch520 Main Ave, Murdock, MN 56271Directions
Renville area · 1
- First Security Bank - Renville Branch106 5th St Se, Renville, MN 56284Directions
Sacred Heart area · 1
- Sacred Heart Branch200 W Maple St, Sacred Heart, MN 56285Directions
Watertown area · 1
- Watertown Branch200 Lewis Ave S, Watertown, MN 55388Directions
Montana
7 branches
Butte area · 1
- Butte Branch605 Dewey Blvd, Butte, MT 59701Directions
Cascade area · 1
- Cascade Branch117 Central Ave W, Cascade, MT 59421Directions
Drummond area · 1
- Drummond Branch27 A St, Drummond, MT 59832Directions
Great Falls area · 1
- Great Falls, Mt Branch409 3rd St Nw, Great Falls, MT 59404Directions
Lincoln area · 1
- First Bank Of Lincoln Branch503 Main St, Lincoln, MT 59639Directions
Philipsburg area · 1
- Philipsburg Branch139 E Broadway St, Philipsburg, MT 59858Directions
Seeley Lake area · 1
- Seeley Lake Branch3084 Highway 83 N., Seeley Lake, MT 59868Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.81% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.48% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.20% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalLeverage ratio9.81%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.48%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.20%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Alliance Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.