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
Unfavorable gap of $5.8M · efficiency ratio beats 90% 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 | 1.14% | 0.44% | 0.82% | 1.20% | Beats 71% | 240 / 825 | |
| Return on Equity | 14.32% | 4.83% | 8.68% | 12.76% | Beats 82% | 148 / 823 | |
| Net Interest Margin | 4.71% | 2.67% | 3.21% | 3.78% | Beats 94% | 51 / 823 | |
| Efficiency Ratio | 49.02% | 60.48% | 70.66% | 82.88% | Beats 90% | 81 / 825 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.04% | 0.33% | 0.89% | Beats 56% | 362 / 819 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.04% | Beats 100% | 221 / 819 | |
| Capital |
| Tier 1 Capital Ratio | 10.36% | 11.27% | 13.54% | 17.30% | Beats 15% | 703 / 825 | |
| Total Risk-Based Capital Ratio | 11.62% | 11.58% | 14.22% | 17.83% | Beats 26% | 613 / 825 | |
| Equity / Assets | 7.94% | 7.81% | 9.47% | 12.02% | Beats 27% | 602 / 825 | |
| Liquidity & Funding |
| Loans / Deposits | 85.80% | 59.04% | 76.96% | 89.87% | 67th pctl | 270 / 825 | |
| Loans / Assets | 78.68% | 51.66% | 65.27% | 75.68% | 83rd pctl | 143 / 819 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |