BlastPoint's Banking Scorecard

Alliance Bank

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

Lake City, MN

6 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Alliance Bank has 2 strengths but faces 4 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 26.0% in tier
+ Efficiency Ratio 5.66% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20.7% in tier
- Flatlined Growth: Bottom 29.5% in tier
- ROA 0.17% below tier average
- Net Interest Margin 0.25% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$767.5M -1.3% YoY +1.3% QoQ	+$381.4M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 9.8% in tier
Total Loans ?	$603.2M +5.0% YoY +5.3% QoQ	+$347.5M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 6.0% in tier
Total Deposits ?	$668.6M -2.8% YoY +0.3% QoQ	+$340.7M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 8.9% in tier
Return on Assets ?	1.10% +54.9% YoY +22.5% QoQ	-0.17%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	3.68% +20.1% YoY +10.3% QoQ	-0.25%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	59.63% -13.1% YoY -8.1% QoQ	-5.66%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.01% -16.2% YoY -7.1% QoQ	-0.88%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 13.3% in tier
Loan-to-Deposit Ratio ?	90.21% +8.0% YoY +4.9% QoQ	+13.58%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	30.28% +8.9% YoY +1.4% QoQ	+8.26%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.01% -88.0% YoY -3.5% QoQ	-0.63%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 12.6% in tier
Tier 1 Capital Ratio ?	12.34% +7.5% YoY -1.8% QoQ	-3.49%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.09% +1.4% YoY -78.6% QoQ	-0.19%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	45%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#174 of 664 • Top 26.0% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#134 of 643 • Bottom 20.7% 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: 90.21%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Flatlined Growth

risk

#152 of 512 • Bottom 29.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.10%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

161

Total Loans

size

Value: $603.19M

Peer Median: $255.72M

#161 of 2664 Top 6.0% in $100M-$1B

237

Total Deposits

size

Value: $668.62M

Peer Median: $327.97M

#237 of 2664 Top 8.9% in $100M-$1B

262

Total Assets

size

Value: $767.47M

Peer Median: $386.08M

#262 of 2664 Top 9.8% in $100M-$1B

336

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#336 of 2664 Top 12.6% in $100M-$1B

355

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#355 of 2654 Top 13.3% in $100M-$1B

463

Non-Interest-Bearing Deposit Share

funding

Value: 30.28%

Peer Median: 22.02%

#463 of 2664 Top 17.3% in $100M-$1B

Top Weaknesses (1 metrics)

2033

Loan-to-Deposit Ratio

liquidity

Value: 90.21%

Peer Median: 76.64%

#2033 of 2664 Bottom 23.7% in $100M-$1B