BlastPoint's Banking Scorecard

Alliance Bank

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

Cape Girardeau, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Alliance Bank has 4 strengths but faces 1 concern

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 0.05% above tier average
+ Net Interest Margin 0.25% above tier average
+ Efficiency Ratio 3.80% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.1% in tier

Get updates when Alliance Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$399.9M +7.5% YoY +0.4% QoQ	+$13.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$289.8M -0.9% YoY -2.7% QoQ	+$34.1M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$339.3M +8.5% YoY +0.1% QoQ	+$11.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	1.32% +2.1% YoY -13.9% QoQ	+0.05%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	4.18% +0.0% YoY -5.5% QoQ	+0.25%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	61.49% +1.5% YoY +8.5% QoQ	-3.80%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.21% +7.1% YoY +0.3% QoQ	-0.67%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	85.40% -8.6% YoY -2.8% QoQ	+8.76%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	15.29% +10.2% YoY +0.8% QoQ	-6.73%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.15% -1.3% YoY -2.7% QoQ	-0.48%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	13.25% -6.6% YoY +3.2% QoQ	-2.58%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.15% +22.2% YoY -71.5% QoQ	-0.13%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	74%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#146 of 1308 • Bottom 11.1% in tier

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

Why this signature

Delinquency Rate: 0.21%

(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

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 (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available