PackageTrendsPeer
Letter portraitLegal landscape

Alliance Bank

Francesville, IN · Cert 197 · Alliance Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alliance Bank

Francesville, IN · Cert 197 · Alliance Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$454.8MAssets
$325.8MLoans
$398.2MDeposits
$47.8MEquity
Loan mix
90%RE $244.8M10%C&I $27.5M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $315.4M21%Noninterest $82.8MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.88%Q2 ’255.09%Q2 ’26+6%+6%

Non-interest income vs. expense

2.09%Q2 ’242.12%Q2 ’252.23%Q2 ’26+4%+7%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #120 of 147 inst. · $0.1B of $630.7B

27.5% Pulaski
8.4% White
8.9% Jasper
22.2% Benton

Executive Summary

  • Earnings: ROA of 1.79%, up 20 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.01% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.43%, up 33 bps from a year ago.
  • Funding: loans stand at 81.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+25 bps YoY

Efficiency Ratio (YTD, annualized)

49.36%-20 bps YoY

Tier 1 Leverage Ratio

12.43%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.73%1.71%1.94%1.79%+20 bps
Return on Equity17.65%18.80%18.41%19.43%17.63%-2 bps
Net Interest Margin3.84%3.80%3.92%4.13%4.09%+25 bps
Efficiency Ratio49.55%48.06%49.58%47.07%49.36%-20 bps
Non-Interest Burden1.66%1.58%1.70%1.71%1.78%+12 bps
Growth
Asset Growth (YoY)6.54%8.87%7.99%4.95%-0.91%-745 bps
Loan Growth (YoY)13.59%16.65%10.28%8.17%3.06%-1,054 bps
Deposit Growth (YoY)12.36%12.36%4.09%3.98%-1.49%-1,385 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.02%0.01%0.01%-1 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans1.55%1.53%1.58%1.56%1.58%+3 bps
Allowance Coverage of NPLs67.9x191.4x86.4x124.2x132.1x+64.2x
Capital
Tier 1 Leverage Ratio12.10%11.93%11.91%12.21%12.43%+33 bps
Total Risk-Based Capital12.10%11.93%11.91%12.21%12.43%+33 bps
Equity / Assets8.75%9.68%9.74%10.24%10.51%+176 bps
Liquidity & Funding
Loans / Deposits78.21%79.55%79.61%79.14%81.82%+361 bps
Liquid Assets / Assets0.55%0.54%0.19%2.25%0.18%-37 bps
CRE / Total Capitaln/a282%289%289%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Alliance Bank

Francesville, IN · Cert 197 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Alliance Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$454.8MAssets
$325.8MLoans
$398.2MDeposits
$47.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 92% of banks under $1B in assets operating in a single state (rank 61 of 746).
  • Widest gap: total risk-based capital ratio trails 68% of banks under $1B in assets operating in a single state (rank 508 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.81%

Rank 89 of 746

Net Interest Margin

4.09%

Rank 210 of 746

Efficiency Ratio

49.36%

Rank 97 of 746

Equity / Assets

10.51%

Rank 372 of 746

Non-interest income vs. expense

$2.1M$10.4MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state
Bank 49.36%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.81%0.72%1.06%1.45%Beats 88%89 / 746
Return on Equity17.18%6.74%10.51%13.63%Beats 92%61 / 746
Net Interest Margin4.09%3.17%3.68%4.16%Beats 72%210 / 746
Efficiency Ratio49.36%55.74%64.58%75.47%Beats 87%97 / 746
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.42%1.07%Beats 83%131 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 65%263 / 743
Capital
Tier 1 Capital Ratio12.43%11.55%13.75%17.60%Beats 36%480 / 746
Total Risk-Based Capital Ratio12.43%11.71%14.33%18.43%Beats 32%508 / 746
Equity / Assets10.51%8.90%10.51%13.06%Beats 50%372 / 746
Liquidity & Funding
Loans / Deposits81.82%61.31%78.27%90.78%57th pctl318 / 746
Loans / Assets71.62%53.60%66.97%76.08%61st pctl289 / 746
Brokered Deposits / Depositsn/aNot reported for this institution