Lender record

Citizens Alliance Bank

The real lending record — every figure from funded deals. HQ: 55 1st St Nw, Clara City, MN. 17 branches.

Recent deals (FY20+)

$450K

Typical deal

—

Approval → funding

Where Citizens Alliance Bank lends

Deals Citizens Alliance Bank funded — list all 8 as text

LifeSavers, LLC — Eden Prairie · $169K · FY2026 · All Other Miscellaneous Schools and Instruction
New Total Nutrition and Tanning, Inc. — Great Falls · $752K · FY2025 · Food (Health) Supplement Retailers
DJA Holdings, LLC — Boyceville · $1.8M · FY2024 · Postharvest Crop Activities (except Cotton Ginning)
Stoneford Creative LLC — Plymouth · $360K · FY2024 · Tax Preparation Services
Herdsman Feeds Inc. — Boyceville · $200K · FY2024 · Postharvest Crop Activities (except Cotton Ginning)
Benchmark Interiors LLC — Crystal · $450K · FY2023 · Custom Architectural Woodwork and Millwork Manufacturing
Starry Night Hospitality LLC — Great Falls · $5.0M · FY2022 · Hotels (except Casino Hotels) and Motels
Manthei Insurance Agency LLC — Belview · $245K · FY2021 · Insurance Agencies and Brokerages

Deal profile

Most Citizens Alliance Bank deals land between $245K and $1.8M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Postharvest Crop Activities (except Cotton Ginning) (2)
2.All Other Miscellaneous Schools and Instruction (1)
3.Food (Health) Supplement Retailers (1)
4.Tax Preparation Services (1)
5.Custom Architectural Woodwork and Millwork Manufacturing (1)
6.Hotels (except Casino Hotels) and Motels (1)
7.Insurance Agencies and Brokerages (1)

Most active states

1.Minnesota (4 deals)
2.Montana (2 deals)
3.Wisconsin (2 deals)

Franchises they finance most

Ascend Hotel Collection by Choice

1 deals

Can Citizens Alliance Bank fund you? The bank behind the loans

Total assets

$1.5B

▼ 1.8% vs prior quarter

Deposits on hand

$1.3B

▼ 1.8% vs prior quarter

Loans outstanding

$969.3M

▼ 1.1% vs prior quarter

Net income (latest qtr)

$-3.0M

•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Citizens Alliance Bank more SBA-focused than 13% of the banks on our record.
•Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
•Return on assets of -0.82% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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Walk into a Citizens Alliance Bank branch (17)

Citizens Alliance BankMain office55 1st St NwClara City, MN 56222 · since 1902

Granite Falls Branch860 Highway 212 WGranite Falls, MN 56241 · since 1887

Murdock Branch520 Main AveMurdock, MN 56271 · since 1892

Sacred Heart Branch200 W Maple StSacred Heart, MN 56285 · since 1905

Lake Lillian Branch451 Lakeview StLake Lillian, MN 56253 · since 1914

Howard Lake Branch900 6th StHoward Lake, MN 55349 · since 1915

Echo Branch631 2nd Ave WEcho, MN 56237 · since 1936

Maynard Branch240 Spicer AvenueMaynard, MN 56260 · since 1936

First Bank Of Lincoln Branch503 Main StLincoln, MT 59639 · since 1968

Seeley Lake Branch3084 Highway 83 N.Seeley Lake, MT 59868 · since 1985

Drummond Branch27 A StDrummond, MT 59832 · since 1998

Butte Branch605 Dewey BlvdButte, MT 59701 · since 1999

Watertown Branch200 Lewis Ave SWatertown, MN 55388 · since 2005

Montevideo Mn Branch1406 E Highway 7Montevideo, MN 56265 · since 2020

Great Falls, Mt Branch409 3rd St NwGreat Falls, MT 59404 · since 2021

Philipsburg Branch139 E Broadway StPhilipsburg, MT 59858 · since 2023

Cascade Branch117 Central Ave WCascade, MT 59421 · since 2025

Scroll for all 17 branches · Branch data: FDIC BankFind.

Recent deals

LifeSavers, LLC in Eden Prairie, MN — $169K (2026) · purchase · All Other Miscellaneous Schools and Instruction
Program
7a General
Rate at approval
7.1% variable
Term
120 mo (10 yrs)
SBA guaranteed
$127K (75%)
Approval → funding
2 days
Approved
1/21/2026
First disbursed
1/23/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
All Other Miscellaneous Schools and Instruction
If you were the buyer here
Est. deal size
$188K
Est. down payment (10%)
$19K
Est. cash at closing
$25K
Monthly payment
$1,971
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
New Total Nutrition and Tanning, Inc. in Great Falls, MT — $752K (2025) · Food (Health) Supplement Retailers
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$564K (75%)
Approval → funding
13 days
Approved
7/11/2025
First disbursed
7/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Food (Health) Supplement Retailers
Your business? Claim this record · Request removal
DJA Holdings, LLC in Boyceville, WI — $1.8M (2024) · purchase · Postharvest Crop Activities (except Cotton Ginning)
Program
7a General
Rate at approval
9.25% variable
Term
168 mo (14 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
9 days
Approved
7/22/2024
First disbursed
7/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Postharvest Crop Activities (except Cotton Ginning)
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$200K
Est. cash at closing
$275K
Monthly payment
$19,145
Annual debt service
$230K
Cash flow needed (1.25×)
$287K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Stoneford Creative LLC in Plymouth, MN — $360K (2024) · Tax Preparation Services
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
24 mo (2 yrs)
SBA guaranteed
$180K (50%)
Approval → funding
1 days
Approved
10/25/2023
First disbursed
10/26/2023
Loan status
Paid in full (11/30/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Tax Preparation Services
Your business? Claim this record · Request removal
Herdsman Feeds Inc. in Boyceville, WI — $200K (2024) · Postharvest Crop Activities (except Cotton Ginning)
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
7/22/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Postharvest Crop Activities (except Cotton Ginning)
Your business? Claim this record · Request removal
Benchmark Interiors LLC in Crystal, MN — $450K (2023) · purchase · Custom Architectural Woodwork and Millwork Manufacturing
Program
7a General
Rate at approval
8.52% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approval → funding
14 days
Approved
7/24/2023
First disbursed
8/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Custom Architectural Woodwork and Millwork Manufacturing
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$5,584
Annual debt service
$67K
Cash flow needed (1.25×)
$84K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Starry Night Hospitality LLC in Great Falls, MT — $5.0M (2022) · Hotels (except Casino Hotels) and Motels
Program
7a General
Rate at approval
5.25% fixed
Term
312 mo (26 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
82 days
Approved
2/17/2022
First disbursed
5/10/2022
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Ascend Hotel Collection by Choice
Jobs supported
18
Business age
New Business or 2 years or less
Industry
Hotels (except Casino Hotels) and Motels
Your business? Claim this record · Request removal
Manthei Insurance Agency LLC in Belview, MN — $245K (2021) · purchase · Insurance Agencies and Brokerages
Program
7a General
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$221K (90%)
Approval → funding
0 days
Approved
1/19/2021
First disbursed
1/19/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Insurance Agencies and Brokerages
If you were the buyer here
Est. deal size
$272K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$2,689
Annual debt service
$32K
Cash flow needed (1.25×)
$40K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal

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Businesses Citizens Alliance Bank financed

8 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Citizens Alliance Bank.

Agent summary

This page summarizes Citizens Alliance Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

8 SBA 7(a) loans on record
$450K typical deal
4 business-acquisition loans
HQ: 55 1st St Nw, Clara City, MN
17 FDIC branch locations
FDIC total assets $1.5B

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/citizens-alliance-bank
API:: https://www.capbench.com/api/public/lenders/citizens-alliance-bank
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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