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Alliance Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 34566

Cape Girardeau, MO

5 branches across MO

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 140 in MO.
  • Deposits +7.0% year over year ($334.8M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 1.41%.
  • Efficiency ratio 59.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.62% 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 140 in MO
View $100M-$1B leaderboard (MO) →

Alliance Bank has 4 strengths but faces 3 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

  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.31% above tier average
  • + Efficiency Ratio 4.73% below tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.6% in tier
  • - Liquidity Strain: Bottom 10.4% in tier
  • - Credit Quality Pressure: Bottom 24.1% in tier
Get updates when Alliance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $391.3M
+3.4% YoY -2.2% QoQ
+$4.7M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $303.4M
+2.1% YoY +4.7% QoQ
+$45.1M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $334.8M
+7.0% YoY -1.3% QoQ
+$8.1M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.41%
-2.0% YoY +7.0% QoQ
+0.09% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 4.29%
-2.2% YoY +2.7% QoQ
+0.31% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 59.75%
+1.3% YoY -2.8% QoQ
-4.73% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.27%
+88.4% YoY +24.6% QoQ
-0.65% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 90.62%
-4.5% YoY +6.1% QoQ
+12.66% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 15.24%
+2.7% YoY -0.3% QoQ
-6.79% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.21%
+86.1% YoY +33.3% QoQ
-0.46% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 13.57%
-3.7% YoY +2.4% QoQ
-2.34% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.30%
+13.8% YoY +99.3% QoQ
-0.27% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
72%

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 15.2%
+0.4pp YoY
0.0pp QoQ
 -6.9pp 22.1% 20.9% 22.2% 25%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 7.6%
+0.1pp YoY
-0.2pp QoQ
 -4.0pp 11.6% 12.3% 12.5% 37%
CRE 39.2%
+2.4pp YoY
+0.5pp QoQ
 -0.4pp 39.5% 36.8% 41.4% 51%
1-4 Family 26.8%
-0.1pp YoY
-0.9pp QoQ
 -5.9pp 32.6% 31.9% 31.3% 44%
Consumer 1.7%
-0.4pp YoY
-0.1pp QoQ
 -2.4pp 4.1% 4.1% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 13.6%
-0.5pp YoY
+0.3pp QoQ
 +1.4pp 12.2% 11.6% 12.6% 79%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 68
+1 (+1.5%) YoY
+1 (+1.5%) QoQ
 +9 58 162 482 69%
Assets per Employee ($) $5.8M
+1.8% YoY
-3.6% QoQ
 -$1.8M $7.5M $8.0M $8.8M 28%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 59%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 20%
Allowance Coverage 4.94x
-49.0% YoY
-23.4% QoQ
 -19.21x 24.15x 10.47x 20.23x 70%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.3% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 10.9%
+0.2pp YoY
+0.5pp QoQ
 -1.2pp 12.2% 14.3% 11.6% 43%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 75%
Net Income ($, YTD) $2.8M
+3.5% YoY
— QoQ
 +$250K $2.6M $11.3M $40.4M 67%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#53 of 936 • Bottom 5.6% 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

Liquidity Strain

risk
#73 of 691 • Bottom 10.4% 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: 90.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Credit Quality Pressure

risk
#304 of 1256 • Bottom 24.1% in tier

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

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

1986
Loan-to-Deposit Ratio
liquidity
Value: 90.62%
Peer Median: 77.95%
#1986 of 2643 Bottom 24.9% in $100M-$1B
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