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Alliance Community Bank

Petersburg, IL · Cert 9631 · Ac Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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=581 to 629). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer 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 Community Bank

Petersburg, IL · Cert 9631 · Ac Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$414.5MAssets
$247.8MLoans
$368.0MDeposits
$34.8MEquity
Loan mix
84%RE $176.3M9%C&I $19.2M7%Consumer $14.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $299.1M19%Noninterest $68.9MQ2 2025Q2 2026

NIM

4.16%Q2 ’244.65%Q2 ’254.71%Q2 ’26+29%+10%

Non-interest income vs. expense

2.27%Q2 ’242.52%Q2 ’252.71%Q2 ’26+14%+6%

Market Position · Springfield, IL · 2026 SOD (annual) · 3.5% share · #10 of 26 inst. · $0.3B of $9.8B

81.0% Menard
0.5% Sangamon
5.7% Mason

Executive Summary

  • Earnings: ROA of 0.98%, up 6 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.55% of loans (+9 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.08%, up 30 bps from a year ago.
  • Funding: loans stand at 67.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+30 bps YoY

Efficiency Ratio (YTD, annualized)

66.64%+92 bps YoY

Tier 1 Leverage Ratio

9.08%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.89%0.93%0.82%0.98%+6 bps
Return on Equity12.75%11.95%12.14%9.70%11.67%-108 bps
Net Interest Margin3.13%3.15%3.28%3.38%3.43%+30 bps
Efficiency Ratio65.71%66.83%67.16%70.64%66.64%+92 bps
Non-Interest Burden1.92%1.97%2.03%2.14%2.03%+11 bps
Growth
Asset Growth (YoY)1.03%0.74%0.92%-0.42%0.98%-4 bps
Loan Growth (YoY)7.79%8.05%3.95%0.56%-0.97%-876 bps
Deposit Growth (YoY)2.41%2.23%1.54%0.19%0.36%-205 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.28%0.26%0.49%0.55%+9 bps
Net Charge-Offs / Loans-0.08%-0.02%0.00%0.27%0.21%+29 bps
Allowance / Loans1.02%1.00%1.00%1.01%1.01%-1 bps
Allowance Coverage of NPLs2.2x3.6x3.8x2.0x1.8x-0.4x
Capital
Tier 1 Leverage Ratio8.78%8.79%8.97%8.85%9.08%+30 bps
Total Risk-Based Capital14.24%14.40%14.44%14.61%15.26%+102 bps
Equity / Assets7.52%8.18%8.52%8.30%8.40%+88 bps
Liquidity & Funding
Loans / Deposits68.23%68.88%70.55%68.13%67.33%-90 bps
Liquid Assets / Assets5.28%5.35%4.66%8.23%10.75%+547 bps
CRE / Total Capitaln/a127.30%121.85%120.54%n/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 Community Bank

Petersburg, IL · Cert 9631 · Peer group: banks under $1B in assets (n=581-629) · Ac Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$414.5MAssets
$247.8MLoans
$368.0MDeposits
$34.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 64% of banks under $1B in assets (rank 227 of 629).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets (rank 506 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.97%

Rank 338 of 629

Net Interest Margin

3.43%

Rank 348 of 629

Efficiency Ratio

66.67%

Rank 294 of 629

Equity / Assets

8.40%

Rank 532 of 629

Non-interest income vs. expense

$2.8M$11.1MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 53% of banks under $1B in assets
Bank 66.67%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.60%1.01%1.45%Beats 46%338 / 629
Return on Equity11.54%5.38%9.30%13.28%Beats 64%227 / 629
Net Interest Margin3.43%3.03%3.54%4.05%Beats 45%348 / 629
Efficiency Ratio66.67%58.35%67.79%79.08%Beats 53%294 / 629
Asset Quality
Nonperforming Loans / Loans0.55%0.09%0.46%1.20%Beats 45%319 / 581
Net Charge-Offs / Loans0.13%n/a0.01%0.06%Beats 13%506 / 581
Capital
Tier 1 Capital Ratio14.29%11.24%13.84%18.77%Beats 54%291 / 629
Total Risk-Based Capital Ratio15.26%11.58%14.43%19.66%Beats 55%283 / 629
Equity / Assets8.40%9.09%10.65%13.80%Beats 15%532 / 629
Liquidity & Funding
Loans / Deposits67.33%67.24%80.90%93.48%25th pctl445 / 594
Loans / Assets59.78%53.31%67.71%78.15%34th pctl415 / 629
Brokered Deposits / Depositsn/aNot reported for this institution