ALLIANCE BANK

LAKE CITY, MN | Medium | Est. Jan. 1, 1867, midnight | FDIC #10973 | RSSD #166652 | FDIC
Latest Report: 2025-12-31

ALLIANCE BANK is amn medium FDIC-insured commercial bank headquartered in LAKE CITY, MN, established in Jan. 1, 1867, midnight. As of 2025-12-31, the bank reported total assets of $758M and total deposits of $666M. Profitability stands at 1.04% ROA and 10.24% ROE, with a net interest margin of 3.83%. The bank's CET1 capital ratio is 12.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.05%. FDIC Certificate #10973.

Assets

$758M

Deposits

$666M

Loans

$583M

Equity

$78M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 10.24%
Net Interest Margin (NIM) 3.83%
Yield on Assets 5.78%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.05%
NPA Ratio 0.01%
ACL / Loans 1.74%

Capital & Liquidity

CET1 Ratio 12.56%
Tier 1 Capital 12.56%
Total Capital Ratio 13.82%
Leverage Ratio 10.26%
Loan-to-Deposit 87.51%

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