BlastPoint's Banking Scorecard
Alliance Bank
Mondovi, WI
4 branches across WI
Alliance Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6.9% in tier
- + Efficiency Ratio 20.67% below tier average
- + Net Interest Margin 0.40% above tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 47.1% in tier
- - Loan-to-Deposit Ratio 22.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$254.1M
+9.3% YoY
-1.5% QoQ
|
-$132.0M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$200.5M
+16.5% YoY
+2.2% QoQ
|
-$55.2M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$202.6M
+6.4% YoY
-3.5% QoQ
|
-$125.4M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
2.42%
+51.0% YoY
+25.7% QoQ
|
+1.15% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Top 5.5% in tier |
| Net Interest Margin ? |
4.34%
+17.5% YoY
+7.2% QoQ
|
+0.40% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
44.62%
-23.8% YoY
-16.9% QoQ
|
-20.67% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 8.6% in tier |
| Delinquency Rate ? |
0.61%
+112.8% YoY
+30.4% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
98.96%
+9.5% YoY
+5.9% QoQ
|
+22.32% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.01%
-5.3% YoY
-19.6% QoQ
|
-12.01% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.8% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+113.8% YoY
+35.3% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
10.31%
+1.9% YoY
+1.0% QoQ
|
-5.52% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.9% in tier |
| Non-Interest Income / Assets ? |
0.10%
+8.3% YoY
-68.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
53% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.