BlastPoint's Banking Scorecard
Alliance Community Bank
Petersburg, IL
6 branches across IL
Alliance Community Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.5% in tier
- - Flatlined Growth: Bottom 32.8% in tier
- - Credit Quality Pressure: Bottom 39.9% in tier
- - ROA 0.24% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 5.35% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$410.2M
-0.4% YoY
+1.3% QoQ
|
+$24.2M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$245.8M
+0.6% YoY
-1.8% QoQ
|
-$10.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$364.4M
+0.2% YoY
+1.7% QoQ
|
+$36.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
1.03%
+15.2% YoY
-12.0% QoQ
|
-0.24% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.60%
+12.4% YoY
+3.4% QoQ
|
-0.33% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
70.64%
-0.6% YoY
+5.2% QoQ
|
+5.35% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.50%
+97.1% YoY
+87.0% QoQ
|
-0.39% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
67.44%
+0.4% YoY
-3.4% QoQ
|
-9.19% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.41%
+0.5% YoY
+2.0% QoQ
|
-2.61% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.30%
+99.1% YoY
+81.3% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.65%
+5.1% YoY
+1.2% QoQ
|
-2.18% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.18%
+29.0% YoY
-74.4% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.