Alliance Bank
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
$391.3MAssets
$307.4MLoans
$334.8MDeposits
$52.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 78% of banks under $1B in assets operating in a single state (rank 167 of 746).
- Widest gap: total risk-based capital ratio trails 57% of banks under $1B in assets operating in a single state (rank 427 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 63% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |