Alliance Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.56 percentage points in Q2 2026, from 176.09% to 189.65%. It was the largest change from Q1 2026 among the key lines here. Alliance Bank ranks 17th of 153 Wisconsin banks on return on assets, in the upper half at 2.10% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Alliance Bank reported 2.10% on return on assets in Q2 2026, 0.85 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.02% |
| Equity capital to assets | 8.51% |
| Tangible equity to tangible assets | 8.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.46% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.88% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 189.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.10% |
| Return on equity | 23.28% |
| Net interest margin | 4.44% |
| Efficiency ratio | 50.10% |
| Yield on earning assets | 6.10% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.94% |
| Core deposits to total deposits | 96.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.37% |
| Securities to assets | 19.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.77% | 0.50% | 2.56% | 0.28% | 0.07% |
| Q4 2023 | 9.88% | 0.47% | 2.76% | 0.28% | 0.00% |
| Q1 2024 | 10.06% | 0.97% | 2.79% | 0.16% | 0.01% |
| Q2 2024 | 9.79% | 0.65% | 2.93% | 0.19% | 0.00% |
| Q3 2024 | 9.97% | 0.81% | 3.07% | 0.13% | -0.15% |
| Q4 2024 | 9.96% | 1.12% | 3.44% | 0.34% | 0.00% |
| Q1 2025 | 10.12% | 1.60% | 3.61% | 0.34% | -0.00% |
| Q2 2025 | 9.93% | 1.64% | 3.88% | 0.39% | 0.00% |
| Q3 2025 | 10.03% | 2.17% | 4.10% | 0.42% | 0.00% |
| Q4 2025 | 10.21% | 2.27% | 4.29% | 0.51% | -0.01% |
| Q1 2026 | 10.31% | 2.43% | 4.29% | 0.65% | -0.00% |
| Q2 2026 | 9.02% | 2.10% | 4.44% | 0.63% | 0.00% |
Alliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12511) · FFIEC NIC profile (RSSD 21658)