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 | |