BlastPoint's Banking Scorecard
Alliance Bank
Francesville, IN
7 branches across IN
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 60 in IN.
- Deposits -1.5% year over year ($398.2M on the books).
- Delinquency rate 0.01%.
- Return on assets 2.28%.
- Efficiency ratio 49.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Alliance Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 29.0% in tier
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 15.12% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$454.8M
-0.9% YoY
-0.8% QoQ
|
+$68.3M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
68% |
| Total Loans ? |
$320.6M
+3.0% YoY
+2.1% QoQ
|
+$62.3M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$398.2M
-1.5% YoY
-1.2% QoQ
|
+$71.4M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
2.28%
+12.8% YoY
-7.6% QoQ
|
+0.96% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
Top 7.4% in tier |
| Net Interest Margin ? |
4.43%
+4.7% YoY
-0.3% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
49.36%
-0.4% YoY
+4.9% QoQ
|
-15.12% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
0.01%
-47.4% YoY
-4.5% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
Top 14.8% in tier |
| Loan-to-Deposit Ratio ? |
80.52%
+4.6% YoY
+3.4% QoQ
|
+2.57% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
+18.6% YoY
+4.5% QoQ
|
-1.24% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.01%
-45.3% YoY
-1.7% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Top 13.7% in tier |
| Tier 1 Capital Ratio ? |
12.43%
+2.7% YoY
+1.8% QoQ
|
-3.48% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.23%
-0.5% YoY
+113.6% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.8%
+3.3pp YoY +0.9pp QoQ |
-1.4pp | 22.1% | 16.8% | 22.2% | 49% |
| Brokered Deposits |
0.3%
-7.6pp YoY 0.0pp QoQ |
-7.6pp | 7.9% | 7.2% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
-2.9pp YoY +1.0pp QoQ |
-1.8pp | 11.6% | 11.1% | 12.5% | 51% |
| CRE |
51.0%
+1.1pp YoY -1.0pp QoQ |
+11.4pp | 39.5% | 36.2% | 41.4% | 71% |
| 1-4 Family |
8.8%
-0.3pp YoY +0.1pp QoQ |
-23.9pp | 32.6% | 40.0% | 31.3% | 9% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 3.2% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
12.4%
+0.3pp YoY +0.2pp QoQ |
+0.3pp | 12.2% | 13.0% | 12.6% | 69% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
64
-5 (-7.2%) YoY -4 (-5.9%) QoQ |
+5 | 58 | 237 | 482 | 66% |
| Assets per Employee ($) |
$7.1M
+6.8% YoY +5.4% QoQ |
-$411K | $7.5M | $7.5M | $8.8M | 54% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 17 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 4% |
| Allowance Coverage |
132.08x
+94.5% YoY +6.4% QoQ |
+107.92x | 24.15x | 6.71x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.5%
0.0pp YoY -2.3pp QoQ |
+10.3pp | 12.2% | 11.2% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 15% |
| Net Income ($, YTD) |
$5.2M
+17.2% YoY — QoQ |
+$2.7M | $2.6M | $16.3M | $40.4M | 88% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.