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
Unfavorable gap of $8.3M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.72% | 1.06% | 1.45% | Beats 88% | 89 / 746 | | |
| Return on Equity | 17.18% | 6.74% | 10.51% | 13.63% | Beats 92% | 61 / 746 | | |
| Net Interest Margin | 4.09% | 3.17% | 3.68% | 4.16% | Beats 72% | 210 / 746 | | |
| Efficiency Ratio | 49.36% | 55.74% | 64.58% | 75.47% | Beats 87% | 97 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 83% | 131 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 65% | 263 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.43% | 11.55% | 13.75% | 17.60% | Beats 36% | 480 / 746 | | |
| Total Risk-Based Capital Ratio | 12.43% | 11.71% | 14.33% | 18.43% | Beats 32% | 508 / 746 | | |
| Equity / Assets | 10.51% | 8.90% | 10.51% | 13.06% | Beats 50% | 372 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.82% | 61.31% | 78.27% | 90.78% | 57th pctl | 318 / 746 | | |
| Loans / Assets | 71.62% | 53.60% | 66.97% | 76.08% | 61st pctl | 289 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |