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Alliance Bank & Trust Company

Shelby, NC · Cert 57733

FDIC · 4 branches

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2024, the quarter ended June 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 operating in a single state (n=819 to 825). 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

23

Q2 2024Q2 2024peer median (50)

Asset Quality

78

Q2 2024Q2 2024peer median (50)

Profitability

82

Q2 2024Q2 2024peer median (50)

Liquidity

64

Q2 2024Q2 2024peer median

Efficiency

90

Q2 2024Q2 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 2026-10-11

Alliance Bank & Trust Company

Shelby, NC · Cert 57733

FDIC · 4 branches

Q2 2024

$269.0MAssets
$211.7MLoans
$246.7MDeposits
$21.4MEquity
Loan mix
72%RE $128.9M28%C&I $50.0M0%Consumer $0.6MQ2 2023Q2 2024
Deposit mix
69%Interest-bearing $169.3M31%Noninterest $77.4MQ2 2023Q2 2024

NIM

3.61%Q2 ’225.40%Q2 ’236.37%Q2 ’24+33%+2%

Non-interest income vs. expense

2.63%Q2 ’222.80%Q2 ’232.43%Q2 ’24+6%-16%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2024 SOD (annual) · 0.0% share · #36 of 50 inst. · $0.1B of $457.3B

10.8% Cleveland
2.7% Gaston

Executive Summary

  • Earnings: ROA of 1.16%, down 40 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.23% of loans (-13 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.37%, down 64 bps from a year ago.
  • Funding: loans stand at 85.80% of deposits as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

1.16%-40 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+10 bps YoY

Efficiency Ratio (YTD, annualized)

49.02%-904 bps YoY

Tier 1 Leverage Ratio

8.37%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.56%1.60%1.62%1.68%1.16%-40 bps
Return on Equity18.82%19.11%19.24%18.82%13.55%-528 bps
Net Interest Margin4.61%4.51%4.39%4.36%4.71%+10 bps
Efficiency Ratio58.06%55.92%54.99%52.76%49.02%-904 bps
Non-Interest Burden2.60%2.44%2.33%2.20%2.18%-41 bps
Growth
Asset Growth (YoY)1.73%4.35%8.40%10.09%10.01%+828 bps
Loan Growth (YoY)19.33%18.31%13.89%10.93%7.84%-1,149 bps
Deposit Growth (YoY)0.53%3.38%7.35%8.97%10.59%+1,007 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.31%0.29%0.28%0.23%-13 bps
Net Charge-Offs / Loans-0.04%-0.02%-0.03%0.00%-0.02%+2 bps
Allowance / Loans1.24%1.25%1.25%1.22%1.90%+67 bps
Allowance Coverage of NPLs3.5x4.1x4.3x4.4x8.4x+4.9x
Capital
Tier 1 Leverage Ratio9.01%9.06%9.06%9.40%8.37%-64 bps
Total Risk-Based Capital12.39%12.19%12.09%12.82%11.62%-77 bps
Equity / Assets8.47%8.52%8.61%9.25%7.94%-53 bps
Liquidity & Funding
Loans / Deposits87.99%88.35%87.75%91.82%85.80%-219 bps
Liquid Assets / Assets12.43%12.91%13.86%10.89%16.01%+358 bps
CRE / Total Capitaln/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 2026-10-11

Alliance Bank & Trust Company

Shelby, NC · Cert 57733 · Peer group: banks under $1B in assets operating in a single state (n=819-825)

FDIC · 4 branches

Q2 2024

$269.0MAssets
$211.7MLoans
$246.7MDeposits
$21.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 221 of 819).
  • Widest gap: tier 1 capital ratio trails 85% of banks under $1B in assets operating in a single state (rank 703 of 825).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.14%

Rank 240 of 825

Net Interest Margin

4.71%

Rank 51 of 823

Efficiency Ratio

49.02%

Rank 81 of 825

Equity / Assets

7.94%

Rank 602 of 825

Non-interest income vs. expense

$0.7M$6.5MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.44%0.82%1.20%Beats 71%240 / 825
Return on Equity14.32%4.83%8.68%12.76%Beats 82%148 / 823
Net Interest Margin4.71%2.67%3.21%3.78%Beats 94%51 / 823
Efficiency Ratio49.02%60.48%70.66%82.88%Beats 90%81 / 825
Asset Quality
Nonperforming Loans / Loans0.23%0.04%0.33%0.89%Beats 56%362 / 819
Net Charge-Offs / Loans0.00%n/a0.01%0.04%Beats 100%221 / 819
Capital
Tier 1 Capital Ratio10.36%11.27%13.54%17.30%Beats 15%703 / 825
Total Risk-Based Capital Ratio11.62%11.58%14.22%17.83%Beats 26%613 / 825
Equity / Assets7.94%7.81%9.47%12.02%Beats 27%602 / 825
Liquidity & Funding
Loans / Deposits85.80%59.04%76.96%89.87%67th pctl270 / 825
Loans / Assets78.68%51.66%65.27%75.68%83rd pctl143 / 819
Brokered Deposits / Depositsn/aNot reported for this institution