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Alliance Community Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 9631

Petersburg, IL

6 branches across IL

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 211 in IL.
  • Deposits +0.4% year over year ($368.0M on the books).
  • Delinquency rate 0.56%.
  • Return on assets 1.24%.
  • Efficiency ratio 66.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.65% 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 211 in IL
View $100M-$1B leaderboard (IL) →

Alliance Community Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 30.0% in tier
  • - ROA 0.09% below tier average
  • - Net Interest Margin 0.33% below tier average
  • - Efficiency Ratio 2.16% above tier average
Get updates when Alliance Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $414.5M
+1.0% YoY +1.0% QoQ
+$27.9M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $245.3M
-1.0% YoY -0.2% QoQ
-$13.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $368.0M
+0.4% YoY +1.0% QoQ
+$41.3M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.24%
+7.3% YoY +20.5% QoQ
-0.09% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 3.66%
+9.1% YoY +1.7% QoQ
-0.33% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 66.64%
+1.4% YoY -5.7% QoQ
+2.16% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.56%
+18.8% YoY +11.5% QoQ
-0.36% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 66.65%
-1.3% YoY -1.2% QoQ
-11.30% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 18.72%
+2.8% YoY -3.5% QoQ
-3.31% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.33%
+16.5% YoY +10.2% QoQ
-0.34% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 14.29%
+7.5% YoY +4.7% QoQ
-1.62% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.34%
+11.3% YoY +86.5% QoQ
-0.23% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
78%

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 (IL) National Avg Tier Percentile
Noninterest-Bearing 18.7%
+0.5pp YoY
-0.7pp QoQ
 -3.4pp 22.1% 20.1% 22.2% 39%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 8.4%
+0.7pp YoY
+0.6pp QoQ
 -3.1pp 11.6% 14.7% 12.5% 43%
CRE 16.5%
-1.5pp YoY
-1.0pp QoQ
 -23.0pp 39.5% 37.9% 41.4% 12%
1-4 Family 31.5%
+2.6pp YoY
+0.9pp QoQ
 -1.1pp 32.6% 28.3% 31.3% 54%
Consumer 5.3%
-1.2pp YoY
-0.3pp QoQ
 +1.2pp 4.1% 5.4% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.3%
+1.0pp YoY
+0.6pp QoQ
 -4.5pp 18.8% 19.9% 19.7% 42%
Leverage Ratio 9.1%
+0.3pp YoY
+0.2pp QoQ
 -3.1pp 12.2% 12.2% 12.6% 13%
Total Capital Ratio 15.3%
+1.0pp YoY
+0.6pp QoQ
 -4.7pp 19.9% 20.9% 20.8% 40%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 73
+4 (+5.8%) YoY
+4 (+5.8%) QoQ
 +14 58 228 482 73%
Assets per Employee ($) $5.7M
-4.6% YoY
-4.5% QoQ
 -$1.8M $7.5M $8.3M $8.8M 26%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
 -0.2pp 0.3% 0.4% 0.4% 46%
Nonaccrual 0.5%
+0.2pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.1% 1.0% 52%
Allowance Coverage 1.82x
-16.9% YoY
-10.8% QoQ
 -22.33x 24.15x 5.62x 20.23x 45%
Net Charge-off Rate (YTD) 0.2%
+0.3pp YoY
-0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 14.7%
-1.3pp YoY
+2.5pp QoQ
 +2.5pp 12.2% 10.5% 11.6% 66%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 32%
Net Income ($, YTD) $2.5M
+7.8% YoY
— QoQ
 -$23K $2.6M $11.7M $40.4M 62%

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
#378 of 1256 • Bottom 30.0% in tier

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

Why this signature
Delinquency Rate: 0.56%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

589
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#589 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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