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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