BlastPoint's Banking Scorecard

Alliance Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 197

Francesville, IN

7 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

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

+ Credit Quality Leader: Top 21.7% in tier
+ Profitability Leader: Top 27.2% in tier
+ Net Interest Margin 0.51% above tier average
+ Efficiency Ratio 18.21% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.1% in tier
- Credit Risk Growth: Bottom 27.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$458.7M +5.0% YoY -0.7% QoQ	+$72.6M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$314.0M +8.1% YoY +0.6% QoQ	+$58.3M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$403.1M +4.0% YoY +1.2% QoQ	+$75.1M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	2.47% +9.9% YoY +13.9% QoQ	+1.20%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Top 5.0% in tier
Net Interest Margin ?	4.44% +5.0% YoY +3.1% QoQ	+0.51%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	47.07% -1.6% YoY -5.1% QoQ	-18.21%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Top 11.2% in tier
Delinquency Rate ?	0.01% +42.3% YoY -31.5% QoQ	-0.87%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	Top 14.4% in tier
Loan-to-Deposit Ratio ?	77.91% +4.0% YoY -0.6% QoQ	+1.27%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	19.90% +3.1% YoY -2.1% QoQ	-2.12%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.01% +46.6% YoY -30.5% QoQ	-0.63%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Top 13.6% in tier
Tier 1 Capital Ratio ?	12.21% -2.5% YoY +2.6% QoQ	-3.62%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.11% -11.6% YoY -76.9% QoQ	-0.17%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	56%

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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 (2)

Credit Quality Leader

growth

#145 of 664 • Top 21.7% 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 declining

Profitability Leader

growth

#182 of 666 • Top 27.2% in tier

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

Why this signature

Return on Assets: 2.47%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#15 of 1308 • Bottom 1.1% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#265 of 973 • Bottom 27.1% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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).

Compare against:

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

Top Strengths (5 metrics)

133

Return on Assets

profitability

Value: 2.47%

Peer Median: 1.27%

#133 of 2664 Top 5.0% in $100M-$1B

299

Efficiency Ratio

profitability

Value: 47.07%

Peer Median: 65.29%

#299 of 2664 Top 11.2% in $100M-$1B

364

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#364 of 2664 Top 13.6% in $100M-$1B

383

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#383 of 2654 Top 14.4% in $100M-$1B

534

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.93%

#534 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available