Francesville, IN · Cert 197 · Alliance Bcorp
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #120 of 147 inst. · $0.1B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.60% | 1.77% | 1.59% | 1.73% | 1.71% | 1.94% | 1.79% | +20 bps | |
| Return on Equity | 18.65% | 18.12% | 19.34% | 17.65% | 18.80% | 18.41% | 19.43% | 17.63% | -2 bps | |
| Net Interest Margin | 3.68% | 3.63% | 3.87% | 3.84% | 3.80% | 3.92% | 4.13% | 4.09% | +25 bps | |
| Efficiency Ratio | 50.01% | 51.12% | 47.84% | 49.55% | 48.06% | 49.58% | 47.07% | 49.36% | -20 bps | |
| Non-Interest Burden | 1.58% | 1.61% | 1.59% | 1.66% | 1.58% | 1.70% | 1.71% | 1.78% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 2.08% | 6.49% | 6.54% | 8.87% | 7.99% | 4.95% | -0.91% | -745 bps | |
| Loan Growth (YoY) | 23.68% | 17.96% | 17.79% | 13.59% | 16.65% | 10.28% | 8.17% | 3.06% | -1,054 bps | |
| Deposit Growth (YoY) | 2.37% | 4.97% | 8.21% | 12.36% | 12.36% | 4.09% | 3.98% | -1.49% | -1,385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.02% | 0.01% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.66% | 1.60% | 1.53% | 1.55% | 1.53% | 1.58% | 1.56% | 1.58% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 174.0x | 67.9x | 191.4x | 86.4x | 124.2x | 132.1x | +64.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.96% | 11.88% | 12.53% | 12.10% | 11.93% | 11.91% | 12.21% | 12.43% | +33 bps | |
| Total Risk-Based Capital | 11.96% | 11.88% | 12.53% | 12.10% | 11.93% | 11.91% | 12.21% | 12.43% | +33 bps | |
| Equity / Assets | 9.58% | 8.82% | 9.47% | 8.75% | 9.68% | 9.74% | 10.24% | 10.51% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.62% | 75.15% | 76.07% | 78.21% | 79.55% | 79.61% | 79.14% | 81.82% | +361 bps | |
| Liquid Assets / Assets | 0.24% | 0.22% | 0.49% | 0.55% | 0.54% | 0.19% | 2.25% | 0.18% | -37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 282% | 289% | 289% | n/a | n/a | |