Cape Girardeau, MO · Cert 34566 · Alliance Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
56
Asset Quality
60
Profitability
63
Liquidity
38
Efficiency
63
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.
Cape Girardeau, MO · Cert 34566 · Alliance Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Cape Girardeau, MO-IL · 2026 SOD (annual) · 5.2% share · #9 of 17 inst. · $0.2B of $3.7B
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 | 1.36% | 1.39% | 1.29% | 1.44% | 1.50% | 1.54% | 1.32% | 1.41% | -3 bps | |
| Return on Equity | 10.73% | 10.93% | 9.76% | 10.75% | 11.08% | 11.53% | 10.41% | 10.95% | +20 bps | |
| Net Interest Margin | 3.80% | 3.75% | 3.83% | 3.91% | 3.95% | 3.84% | 3.83% | 3.92% | 0 bps | |
| Efficiency Ratio | 59.65% | 58.98% | 60.60% | 59.01% | 57.75% | 56.68% | 61.49% | 59.75% | +74 bps | |
| Non-Interest Burden | 2.04% | 1.99% | 2.12% | 2.09% | 2.05% | 1.95% | 2.12% | 2.10% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 2.58% | 2.51% | 3.58% | 3.18% | 5.74% | 7.53% | 3.35% | -23 bps | |
| Loan Growth (YoY) | 1.81% | 1.19% | -1.32% | 0.07% | 2.36% | -0.65% | -0.88% | 2.08% | +201 bps | |
| Deposit Growth (YoY) | 6.74% | 4.20% | 4.96% | 2.69% | 2.10% | 7.83% | 8.52% | 6.99% | +430 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.18% | 0.20% | 0.14% | 0.14% | 0.21% | 0.21% | 0.26% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.06% | 0.03% | 0.04% | 0.04% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.43% | 1.37% | 1.39% | 1.35% | 1.30% | 1.32% | 1.36% | 1.30% | -5 bps | |
| Allowance Coverage of NPLs | 5.8x | 7.6x | 7.1x | 9.7x | 9.1x | 6.3x | 6.5x | 4.9x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.40% | 13.56% | 14.18% | 14.08% | 14.28% | 12.84% | 13.25% | 13.57% | -51 bps | |
| Total Risk-Based Capital | 13.40% | 13.56% | 14.18% | 14.08% | 14.28% | 12.84% | 13.25% | 13.57% | -51 bps | |
| Equity / Assets | 12.81% | 12.95% | 13.58% | 13.71% | 13.77% | 12.58% | 12.82% | 13.36% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.98% | 96.67% | 94.79% | 96.23% | 96.22% | 89.07% | 86.57% | 91.80% | -442 bps | |
| Liquid Assets / Assets | 3.48% | 1.75% | 2.43% | 0.14% | 2.44% | 4.06% | 5.63% | 2.31% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 209% | 213% | n/a | n/a | |
Cape Girardeau, MO · Cert 34566 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Alliance Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.43%
Rank 195 of 746
Net Interest Margin
3.92%
Rank 284 of 746
Efficiency Ratio
59.75%
Rank 279 of 746
Equity / Assets
13.36%
Rank 167 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 74% | 195 / 746 | ||
| Return on Equity | 10.73% | 6.74% | 10.51% | 13.63% | Beats 53% | 353 / 746 | ||
| Net Interest Margin | 3.92% | 3.17% | 3.68% | 4.16% | Beats 62% | 284 / 746 | ||
| Efficiency Ratio | 59.75% | 55.74% | 64.58% | 75.47% | Beats 63% | 279 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 62% | 286 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 58% | 315 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.57% | 11.55% | 13.75% | 17.60% | Beats 48% | 388 / 746 | ||
| Total Risk-Based Capital Ratio | 13.57% | 11.71% | 14.33% | 18.43% | Beats 43% | 427 / 746 | ||
| Equity / Assets | 13.36% | 8.90% | 10.51% | 13.06% | Beats 78% | 167 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.80% | 61.31% | 78.27% | 90.78% | 77th pctl | 169 / 746 | ||
| Loans / Assets | 78.57% | 53.60% | 66.97% | 76.08% | 81st pctl | 142 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||