Alliance Bank (Lake City, MN)
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Data as of · sourced from FFIEC call reports. How we update
Alliance Bank is an FDIC-insured commercial bank headquartered in Lake City, MN, established in 1867 (FDIC certificate 10973), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $755.9M, down 6.3% from Q2 2025, the 29th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10973
- Headquarters
- Lake City, MN
- Established
- 1867
- Total assets, Q2 2026
- $755.9M
- Assets vs Q2 2025
- -6.3%
- CET1 ratio, Q2 2026
- 11.73%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 091901215
- Latest call report
- Q2 2026, FFIEC 041 · Alliance Bank call report
- Holding company
- ALLIANCE FINANCIAL SERVICES, INC.
- Asset rank in state
- 29th of 221 in Minnesota
Alliance Bank leans heavily on commercial real estate. Its balance sheet stood at $756 million at June 30, 2026, down 6.3% from a year earlier; it is based in Lake City, Minnesota. It holds commercial real estate loans worth 3.2 times its capital, 2.7 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also lost 8.6% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 6.1% and deposits fell 8.6%. Where it has less room is capital: it holds common equity equal to 11.73% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Alliance Bank reported a CET1 capital ratio of 11.73%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Alliance Bank is the 29th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $755.9M, loans rose 0.4% and deposits fell 1.6%. Non-owner-occupied commercial real estate loans made up 34.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 16.6%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in MN; its Saint Paul office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Alliance Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 E Lyon Ave, Lake City, MN 55041
- County
- Wabasha
- Metro Area
- Rochester, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1867
- Former names
- American Alliance Bank (2005-2007); American Bank Lake City (1994-2005); Lake City State Bank (1947-1994)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $657.9M
- Allowance for credit losses
- $10.2M
- Net charge-offs (YTD)
- -$32K
- Average total assets
- $770.3M
- Average total loans
- $614.8M
- Average interest-bearing deposits
- $464.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10973
- Fed RSSD
- 166652
- Website
- www.alliancebanks.com →
- Parent Holding Company
- ALLIANCE FINANCIAL SERVICES, INC. (RSSD 1127146)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Alliance Bank's total assets ran between $733.2M (Q2 2024) and $806.9M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$755.9M total assets against $806.9M; $679.1M total liabilities against $733.4M.
$605.5M net loans and leases against $570.0M; $657.9M total deposits against $720.1M.
$87.6M securities against $90.5M; $41.3M cash and balances due against $124.8M.
$10.3M total interest income against $9.7M; $3.3M total interest expense against $3.7M.
$7.0M net interest income against $5.9M.
$797K total noninterest income against $826K; $5.4M total noninterest expense against $4.5M.
$0 provision for credit losses against -$160K.
$1.7M net income against $1.7M.
0.89% return on assets against 0.90%; 3.69% net interest margin against 3.18%.
11.73% CET1 capital ratio against 12.01%; 10.07% tier 1 leverage ratio against 9.79%.
Inside the full Alliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Alliance Bank rankings
Its closest position to the top of a national ranking is 1,300 of 4,196, for total assets; its furthest is 3,292 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q3 2024) to 1.10% (Q1 2026) and its net interest margin ran from 3.05% (Q3 2024) to 3.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 0.89% | 0.01% | 0.05% | 3.69% |
| Q1 2026 | 12.34% | 1.10% | 0.01% | 0.05% | 3.64% |
| Q4 2025 | 12.56% | 1.03% | 0.01% | 0.05% | 3.55% |
| Q3 2025 | 12.43% | 0.97% | 0.01% | 0.06% | 3.48% |
| Q2 2025 | 12.01% | 0.90% | 0.01% | 0.06% | 3.18% |
| Q1 2025 | 11.48% | 0.71% | 0.01% | 0.47% | 3.05% |
| Q4 2024 | 12.38% | 0.73% | 0.28% | 2.37% | 3.09% |
| Q3 2024 | 11.90% | 0.59% | 0.30% | 2.14% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. Paul Branch | Saint Paul , MN | 55101 | $349.1M |
| New Ulm Branch | New Ulm , MN | 56073 | $144.4M |
| Alliance Bank (main office) | Lake City , MN | 55041 | $103.2M |
| Hanska Branch | Hanska , MN | 56041 | $21.8M |
| Madelia Branch | Madelia , MN | 56062 | $21.7M |
| Red Wing Branch | Red Wing , MN | 55066 | $17.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 21, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2007 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 28, 2000 | Structure Change | Acquired Courtland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 1998 | Structure Change | Acquired State Bank of Hanska Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, ALLIANCE FINANCIAL SERVICES, INC., not the bank itself
- December 8, 2011, Federal Reserve: Written Agreement: Alliance Financial Services, Inc., Saint Paul, Minnesota
- Period: Most recent institution action December 8, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MN, rank 46 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 127 applications, 84 loans originated, $20.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Alliance Bank
What are Alliance Bank's total assets?
As of the Q2 2026 filing, Alliance Bank reported total assets of $755.9 million in its FFIEC call report.
Where is Alliance Bank headquartered?
It is headquartered in Lake City, MN, United States.
When was Alliance Bank founded?
It was established in 1867, per the FDIC institution directory.
Is Alliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10973). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alliance Bank?
Alliance Bank's primary federal regulator is the FDIC.
What is Alliance Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Alliance Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Alliance Bank's Texas Ratio?
Its Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Alliance Bank previously called?
The charter now named Alliance Bank has also operated as American Alliance Bank (2005-2007), American Bank Lake City (1994-2005), Lake City State Bank (1947-1994), per FDIC structure-change records.
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