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Alliance Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10973

Lake City, MN

6 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -8.6% year over year ($657.9M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.00%.
  • Efficiency ratio 64.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Alliance Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 24.1% in tier
  • + Efficiency Ratio 0.07% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 4.9% in tier
  • - Capital Constraint: Bottom 18.7% in tier
  • - Liquidity Strain: Bottom 28.2% in tier
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.25% below tier average
Get updates when Alliance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $755.9M
-6.3% YoY -1.5% QoQ
+$369.3M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Top 10.0% in tier
Total Loans ? $605.5M
+6.2% YoY +0.4% QoQ
+$347.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Top 5.8% in tier
Total Deposits ? $657.9M
-8.6% YoY -1.6% QoQ
+$331.2M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Top 9.1% in tier
Return on Assets ? 1.00%
+26.9% YoY -8.7% QoQ
-0.32% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.74%
+21.0% YoY +1.7% QoQ
-0.25% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 64.41%
-4.4% YoY +8.0% QoQ
-0.07% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.01%
-17.6% YoY -4.9% QoQ
-0.91% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 13.5% in tier
Loan-to-Deposit Ratio ? 92.03%
+16.3% YoY +2.0% QoQ
+14.08% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 29.16%
-8.4% YoY -3.7% QoQ
+7.13% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.01%
-6.6% YoY -3.1% QoQ
-0.66% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 12.6% in tier
Tier 1 Capital Ratio ? 11.73%
-2.3% YoY -5.0% QoQ
-4.18% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.20%
+4.8% YoY +120.7% QoQ
-0.37% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 29.2%
-2.7pp YoY
-1.1pp QoQ
 +7.0pp 22.1% 21.9% 22.2% 80%
Brokered Deposits 1.8%
-1.8pp YoY
+0.8pp QoQ
 -6.0pp 7.9% 8.3% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 16.8%
-1.3pp YoY
0.0pp QoQ
 +5.3pp 11.6% 14.6% 12.5% 82%
CRE 52.6%
+1.3pp YoY
+0.1pp QoQ
 +13.0pp 39.5% 36.5% 41.4% 74%
1-4 Family 13.7%
+1.5pp YoY
+1.0pp QoQ
 -18.9pp 32.6% 29.4% 31.3% 17%
Consumer 1.7%
+0.3pp YoY
0.0pp QoQ
 -2.4pp 4.1% 4.5% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 11.7%
-0.3pp YoY
-0.6pp QoQ
 -7.1pp 18.8% 16.5% 19.7% 14%
Leverage Ratio 10.1%
+0.3pp YoY
-0.6pp QoQ
 -2.1pp 12.2% 11.0% 12.6% 33%
Total Capital Ratio 13.0%
-0.3pp YoY
-0.6pp QoQ
 -7.0pp 19.9% 17.6% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 95
-7 (-6.9%) YoY
-2 (-2.1%) QoQ
 +36 58 55 482 85%
Assets per Employee ($) $8.0M
+0.6% YoY
+0.6% QoQ
 +$438K $7.5M $8.6M $8.8M 67%
Branch Count 6
0 YoY
0 QoQ
 +1 4 4 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 2%
Allowance Coverage 241.95x
+14.7% YoY
+5.0% QoQ
 +217.80x 24.15x 20.41x 20.23x 98%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 9.7%
+1.2pp YoY
-0.8pp QoQ
 -2.5pp 12.2% 13.1% 11.6% 35%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 56%
Net Income ($, YTD) $3.8M
+22.2% YoY
— QoQ
 +$1.3M $2.6M $4.5M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#160 of 659 • Top 24.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Deposit Outflow

decline
#27 of 535 • Bottom 4.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#21 of 107 • Bottom 18.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 92.03%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.73%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Liquidity Strain

risk
#196 of 691 • Bottom 28.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.03%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

154
Total Loans
size
Value: $605.46M
Peer Median: $258.35M
#154 of 2643 Top 5.8% in $100M-$1B
241
Total Deposits
size
Value: $657.89M
Peer Median: $326.73M
#241 of 2643 Top 9.1% in $100M-$1B
266
Total Assets
size
Value: $755.85M
Peer Median: $386.57M
#266 of 2643 Top 10.0% in $100M-$1B
335
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#335 of 2643 Top 12.6% in $100M-$1B
356
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#356 of 2633 Top 13.5% in $100M-$1B
538
Non-Interest-Bearing Deposit Share
funding
Value: 29.16%
Peer Median: 22.03%
#538 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (1 metrics)

2059
Loan-to-Deposit Ratio
liquidity
Value: 92.03%
Peer Median: 77.95%
#2059 of 2643 Bottom 22.1% in $100M-$1B
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