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Alliance Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 12511

Mondovi, WI

4 branches across WI

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 110 in WI.
  • Deposits +13.0% year over year ($216.4M on the books).
  • Delinquency rate 0.58%.
  • Return on assets 2.26%.
  • Efficiency ratio 47.65% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.87% 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 110 in WI
View $100M-$1B leaderboard (WI) →

Alliance Bank has 4 strengths but faces 2 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

  • + Profitability Leader: Top 9.1% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Efficiency Ratio 16.83% below tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 33.5% in tier
  • - Credit Quality Pressure: Bottom 39.8% in tier
Get updates when Alliance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $266.0M
+12.4% YoY +4.7% QoQ
-$120.6M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $192.3M
+6.6% YoY -4.1% QoQ
-$66.0M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $216.4M
+13.0% YoY +6.8% QoQ
-$110.3M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 2.26%
+39.8% YoY -6.5% QoQ
+0.94% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 7.8% in tier
Net Interest Margin ? 4.43%
+16.0% YoY +2.1% QoQ
+0.44% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 47.65%
-19.1% YoY +6.8% QoQ
-16.83% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 12.3% in tier
Delinquency Rate ? 0.58%
+54.5% YoY -3.5% QoQ
-0.33% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 88.87%
-5.6% YoY -10.2% QoQ
+10.92% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 9.97%
+0.5% YoY -0.3% QoQ
-12.06% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 10.6% in tier
Nonperforming Asset Ratio ? 0.42%
+46.6% YoY -11.6% QoQ
-0.25% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 9.02%
-9.2% YoY -12.6% QoQ
-6.89% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 1.0% in tier
Non-Interest Income / Assets ? 0.17%
-6.3% YoY +67.7% QoQ
-0.40% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
41%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 10.0%
0.0pp YoY
0.0pp QoQ
 -12.2pp 22.1% 18.9% 22.2% 10%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 5.3%
+1.3pp YoY
+0.5pp QoQ
 -6.3pp 11.6% 10.5% 12.5% 21%
CRE n/a n/a 39.5% 46.4% 41.4% n/a
1-4 Family 27.7%
+0.5pp YoY
+1.5pp QoQ
 -4.9pp 32.6% 32.3% 31.3% 46%
Consumer 2.7%
-0.6pp YoY
+0.1pp QoQ
 -1.4pp 4.1% 2.6% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 9.0%
-0.9pp YoY
-1.3pp QoQ
 -3.2pp 12.2% 12.6% 12.6% 12%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 42
+1 (+2.4%) YoY
+1 (+2.4%) QoQ
 -17 58 134 482 44%
Assets per Employee ($) $6.3M
+9.7% YoY
+2.2% QoQ
 -$1.2M $7.5M $8.2M $8.8M 39%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.6%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.9% 1.0% 57%
Allowance Coverage 2.05x
-42.6% YoY
+8.1% QoQ
 -22.10x 24.15x 56.89x 20.23x 49%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 24.5%
+6.3pp YoY
-0.7pp QoQ
 +12.3pp 12.2% 11.8% 11.6% 96%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 51%
Net Income ($, YTD) $2.9M
+56.3% YoY
— QoQ
 +$374K $2.6M $7.9M $40.4M 69%

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)

Profitability Leader

growth
#61 of 661 • Top 9.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.26%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#315 of 936 • Bottom 33.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#501 of 1256 • Bottom 39.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.58%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 (3 metrics)

206
Return on Assets
profitability
Value: 2.26%
Peer Median: 1.32%
#206 of 2643 Top 7.8% in $100M-$1B
327
Efficiency Ratio
profitability
Value: 47.65%
Peer Median: 64.48%
#327 of 2643 Top 12.3% in $100M-$1B
627
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.99%
#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (2 metrics)

2617
Tier 1 Capital Ratio
capital
Value: 9.02%
Peer Median: 15.91%
#2617 of 2643 Bottom 1.0% in $100M-$1B
2365
Non-Interest-Bearing Deposit Share
funding
Value: 9.97%
Peer Median: 22.03%
#2365 of 2643 Bottom 10.6% in $100M-$1B
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