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Alliance Bank

Topeka, KS · Cert 34930

FDIC · 2 branches

Q3 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=553 to 600). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q3 2024peer median (50)

Asset Quality

67

Q2 2024Q3 2024peer median (50)

Profitability

75

Q2 2024Q3 2024peer median (50)

Liquidity

78

Q2 2024Q3 2024peer median

Efficiency

81

Q2 2024Q3 2024peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Alliance Bank

Topeka, KS · Cert 34930

FDIC · 2 branches

Q3 2024

$144.7MAssets
$103.6MLoans
$123.2MDeposits
$18.1MEquity
Loan mix
65%RE $54.9M29%C&I $24.5M6%Consumer $5.0MQ4 2022Q3 2024
Deposit mix
66%Interest-bearing $81.8M34%Noninterest $41.4MQ4 2022Q3 2024

Market Position · Topeka, KS · 2024 SOD (annual) · 2.2% share · #9 of 32 inst. · $0.1B of $5.9B

Executive Summary

  • Earnings: ROA of 1.29%, up 6 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.09% of loans (-15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.37%, up 49 bps from a year ago.
  • Funding: loans stand at 84.12% of deposits as of Q3 2024.

Return on Assets (YTD, annualized)

1.29%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-25 bps YoY

Efficiency Ratio (YTD, annualized)

57.37%+211 bps YoY

Tier 1 Leverage Ratio

12.37%+49 bps YoY

NIM

3.37%Q3 ’225.33%Q3 ’235.82%Q3 ’24+33%-6%

Non-interest income vs. expense

2.09%Q3 ’222.46%Q3 ’232.39%Q3 ’24+17%-2%

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.10%1.26%1.24%1.24%1.27%1.13%1.20%1.29%+6 bps
Return on Equity11.57%13.89%12.87%12.30%12.26%9.73%10.26%10.88%-142 bps
Net Interest Margin3.27%3.74%4.02%4.21%4.10%3.75%3.85%3.96%-25 bps
Efficiency Ratio59.05%54.12%54.29%55.26%56.78%60.60%59.49%57.37%+211 bps
Non-Interest Burden1.85%1.93%2.07%2.22%2.23%2.20%2.20%2.18%-4 bps
Growth
Asset Growth (YoY)16.87%14.07%2.58%-6.08%-16.99%-8.42%3.54%2.27%+835 bps
Loan Growth (YoY)11.42%10.21%5.84%7.24%9.85%9.78%7.23%0.37%-686 bps
Deposit Growth (YoY)16.89%14.37%0.94%-8.60%-18.97%-10.99%1.47%0.18%+879 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.23%0.25%0.24%0.27%0.27%0.36%0.09%-15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%0.00%0.01%0.01%+1 bps
Allowance / Loans1.66%1.64%1.70%1.64%1.65%1.62%1.63%1.67%+4 bps
Allowance Coverage of NPLs8.0x7.1x6.7x6.8x6.0x6.1x4.5x18.5x+11.6x
Capital
Tier 1 Leverage Ratio9.78%9.69%10.85%11.89%12.01%11.90%12.00%12.37%+49 bps
Total Risk-Based Capital9.78%9.69%10.85%11.89%12.01%11.90%12.00%12.37%+49 bps
Equity / Assets8.75%9.40%10.93%11.45%11.90%11.37%11.72%12.52%+107 bps
Liquidity & Funding
Loans / Deposits61.64%65.69%77.61%83.96%83.56%81.02%82.02%84.12%+16 bps
Liquid Assets / Assets5.35%6.04%6.27%6.05%5.56%5.00%4.59%4.01%-205 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Alliance Bank

Topeka, KS · Cert 34930 · Peer group: banks under $1B in assets (n=553-600)

FDIC · 2 branches

Q3 2024

$144.7MAssets
$103.6MLoans
$123.2MDeposits
$18.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets (rank 112 of 599).
  • Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets (rank 400 of 599).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.30%

Rank 135 of 600

Net Interest Margin

3.96%

Rank 112 of 599

Efficiency Ratio

57.37%

Rank 112 of 599

Equity / Assets

12.52%

Rank 163 of 599

Non-interest income vs. expense

$0.3M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 81% of banks under $1B in assets
Bank 57.37%Peer median 71.8%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.30%0.46%0.79%1.24%Beats 78%135 / 600
Return on Equity10.41%4.80%8.06%11.58%Beats 67%195 / 599
Net Interest Margin3.96%2.69%3.18%3.78%Beats 81%112 / 599
Efficiency Ratio57.37%60.70%71.81%83.57%Beats 81%112 / 599
Asset Quality
Nonperforming Loans / Loans0.09%0.07%0.33%0.86%Beats 72%158 / 553
Net Charge-Offs / Loans0.01%0.00%0.02%0.08%Beats 62%211 / 553
Capital
Tier 1 Capital Ratio12.37%11.16%13.46%17.80%Beats 40%362 / 599
Total Risk-Based Capital Ratio12.37%11.63%14.22%18.75%Beats 33%400 / 599
Equity / Assets12.52%8.41%10.03%12.90%Beats 73%163 / 599
Liquidity & Funding
Loans / Deposits84.12%64.78%79.25%91.89%59th pctl229 / 562
Loans / Assets71.59%56.05%67.49%76.84%59th pctl229 / 553
Brokered Deposits / Depositsn/aNot reported for this institution