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
Unfavorable gap of $8.4M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.60% | 1.01% | 1.45% | Beats 46% | 338 / 629 | | |
| Return on Equity | 11.54% | 5.38% | 9.30% | 13.28% | Beats 64% | 227 / 629 | | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 45% | 348 / 629 | | |
| Efficiency Ratio | 66.67% | 58.35% | 67.79% | 79.08% | Beats 53% | 294 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.09% | 0.46% | 1.20% | Beats 45% | 319 / 581 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 13% | 506 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.29% | 11.24% | 13.84% | 18.77% | Beats 54% | 291 / 629 | | |
| Total Risk-Based Capital Ratio | 15.26% | 11.58% | 14.43% | 19.66% | Beats 55% | 283 / 629 | | |
| Equity / Assets | 8.40% | 9.09% | 10.65% | 13.80% | Beats 15% | 532 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.33% | 67.24% | 80.90% | 93.48% | 25th pctl | 445 / 594 | | |
| Loans / Assets | 59.78% | 53.31% | 67.71% | 78.15% | 34th pctl | 415 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |