Alliance Bank (Cape Girardeau, MO)
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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 Cape Girardeau, MO, established in 1997 (FDIC certificate 34566), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $391.3M, up 3.4% from Q2 2025, the 84th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34566
- Headquarters
- Cape Girardeau, MO
- Established
- 1997
- Total assets, Q2 2026
- $391.3M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 13.57%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081518773
- Latest call report
- Q2 2026, FFIEC 051 · Alliance Bank call report
- Holding company
- ALLIANCE BANCSHARES, INC.
- Asset rank in state
- 84th of 191 in Missouri
Little in Alliance Bank's latest call report stands out. The Cape Girardeau, Missouri bank had $391 million in assets at June 30, 2026, up 3.4% from a year earlier. On most measures it sits near the middle of the 2,627 banks with $100 million to $1 billion in assets.
Deposits are coming in faster than loans: over the year loans rose 2.1% and deposits rose 7.0%. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.26% of loans, against 0.14% a year earlier.
As of June 30, 2026, Alliance Bank reported a return on assets of 1.50%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.43%. The figures come from its call report filed with the FFIEC.
Alliance Bank ranks as the 84th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $391.3M, loans rose 4.6% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.4% of total loans, followed by owner-occupied commercial real estate loans at 20.7%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MO; its Cape Girardeau office books 36% of its branch deposits. Judged on its Q2 2026 call report, Alliance Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 217 N Kingshighway St, Cape Girardeau, MO 63701
- County
- Cape Girardeau
- Metro Area
- Cape Girardeau, MO-IL
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 23, 1997
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $334.8M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $396.3M
- Average total loans
- $302.0M
- Average interest-bearing deposits
- $287.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 23, 1997
- FDIC Cert
- 34566
- Fed RSSD
- 2619714
- Website
- www.alliancebanking.com →
- Parent Holding Company
- ALLIANCE BANCSHARES, INC. (RSSD 3253629)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Alliance Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Alliance Bank's total assets ranged from $362.8M (Q1 2024) to $399.9M (Q1 2026), 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
$391.3M total assets against $378.6M; $339.0M total liabilities against $326.7M.
$303.4M net loans and leases against $297.1M; $334.8M total deposits against $313.0M.
$40.9M securities against $35.1M; $18.3M cash and balances due against $17.5M.
$5.8M total interest income against $5.8M; $1.9M total interest expense against $1.9M.
$4.0M net interest income against $3.9M.
$573K total noninterest income against $541K; $2.6M total noninterest expense against $2.6M.
$0 provision for credit losses against -$50K.
$1.5M net income against $1.5M.
1.50% return on assets against 1.58%; 4.26% net interest margin against 4.39%.
13.57% tier 1 leverage ratio against 14.08%.
Inside the full Alliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAlliance Bank rankings
Its closest position to the top of a national ranking is 1,314 of 3,611, for ROA; its furthest is 2,495 of 3,640, for Texas Ratio.
Banks merged into Alliance Bank
- Anna State Bank, effective October 8, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.32% (Q1 2025) to 1.63% (Q4 2025) and its net interest margin ran from 4.04% (Q4 2024) to 4.39% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.57% | 1.50% | 0.26% | 1.43% | 4.26% |
| Q1 2026 | 13.25% | 1.33% | 0.21% | 1.12% | 4.11% |
| Q4 2025 | 12.84% | 1.63% | 0.21% | 1.17% | 4.29% |
| Q3 2025 | 14.28% | 1.61% | 0.14% | 0.77% | 4.34% |
| Q2 2025 | 14.08% | 1.58% | 0.14% | 0.75% | 4.39% |
| Q1 2025 | 14.18% | 1.32% | 0.20% | 1.07% | 4.10% |
| Q4 2024 | 13.56% | 1.48% | 0.18% | 1.03% | 4.04% |
| Q3 2024 | 13.40% | 1.47% | 0.25% | 1.41% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Alliance Bank (main office) | Cape Girardeau , MO | 63701 | $121.7M |
| Sikeston Branch | Sikeston , MO | 63801 | $72.7M |
| Jackson Branch | Jackson , MO | 63755 | $70.0M |
| Oran Branch | Oran , MO | 63771 | $52.5M |
| New Madrid Branch | New Madrid , MO | 63869 | $18.0M |
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 |
|---|---|---|---|
| October 8, 2026 | Structure Change | Acquired Anna State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 108 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 139 applications, 125 loans originated, $26.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $138K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $391.3 million in its FFIEC call report.
Where is Alliance Bank headquartered?
It is headquartered in Cape Girardeau, MO, United States.
When was Alliance Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Alliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34566). 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.
How many branches does Alliance Bank operate?
It operates 5 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 1.43% 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.
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