Alliance Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.86 percentage points higher than in Q1 2026, at 95.72%. Within Missouri, Alliance Bank is 62nd of 192 on loan-to-deposit ratio, 91.80% as of Q2 2026, above the middle of the field. Alliance Bank reported 91.80% on loan-to-deposit ratio for Q2 2026, 10.86 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $307.4M |
| Net loans and leases | $303.4M |
| Loans held for sale | $0 |
| Loans to total assets | 78.56% |
| Loan-to-deposit ratio | 91.80% |
| Net loans to equity capital | 5.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.33% |
| Multifamily (5+ residential) | 3.72% |
| Commercial and industrial | 7.51% |
| Consumer | 1.67% |
| Credit cards | 0.00% |
| Farm | 17.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 95.72% |
| Construction concentration (Tier 1 capital + allowance) | 40.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.76% |
| Interest income on loans | $5.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $296.4M | $294.5M | 26.29% | 8.97% | 2.04% |
| Q4 2023 | $300.2M | $301.6M | 29.10% | 9.03% | 2.01% |
| Q1 2024 | $300.4M | $297.9M | 29.71% | 8.70% | 2.03% |
| Q2 2024 | $300.9M | $304.8M | 30.71% | 8.01% | 1.99% |
| Q3 2024 | $301.7M | $314.3M | 30.35% | 7.08% | 1.92% |
| Q4 2024 | $303.8M | $314.3M | 30.73% | 7.55% | 1.88% |
| Q1 2025 | $296.4M | $312.7M | 29.41% | 7.19% | 1.95% |
| Q2 2025 | $301.2M | $313.0M | 28.61% | 7.44% | 2.02% |
| Q3 2025 | $308.8M | $321.0M | 28.59% | 7.11% | 1.91% |
| Q4 2025 | $301.8M | $338.9M | 27.62% | 7.32% | 1.81% |
| Q1 2026 | $293.8M | $339.3M | 28.48% | 7.69% | 1.75% |
| Q2 2026 | $307.4M | $334.8M | 27.33% | 7.51% | 1.67% |
Alliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank, freeSource: Call Report Schedule RC-C, 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 34566) · FFIEC NIC profile (RSSD 2619714)