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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

4.34%Q2 ’244.79%Q2 ’254.78%Q2 ’26+29%+7%

Non-interest income vs. expense

2.22%Q2 ’242.46%Q2 ’252.57%Q2 ’26+12%+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 1.14%, up 3 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.55% of loans (+9 bps YoY), with net charge-offs at 0.15%.
  • 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 (quarter, annualized)

1.14%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+22 bps YoY

Efficiency Ratio (quarter, annualized)

62.70%+181 bps YoY

Tier 1 Leverage Ratio

9.08%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%0.84%1.03%0.82%1.14%+3 bps
Return on Equity15.16%10.66%12.35%9.70%13.70%-146 bps
Net Interest Margin3.29%3.29%3.44%3.38%3.51%+22 bps
Efficiency Ratio60.89%68.92%68.02%70.64%62.70%+181 bps
Non-Interest Burden1.82%2.13%2.05%2.14%1.93%+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 / Loans0.01%0.11%0.07%0.27%0.15%+15 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