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 130.87 percentage points in Q2 2026, from 1058.09% to 1188.96%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Alliance Bank is 91st of 192 on return on assets, 1.50% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Alliance Bank sits 0.24 points higher, at 1.50% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.57% |
| Equity capital to assets | 13.36% |
| Tangible equity to tangible assets | 13.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.43% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 1188.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 11.48% |
| Net interest margin | 4.26% |
| Efficiency ratio | 58.04% |
| Yield on earning assets | 6.25% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.80% |
| Core deposits to total deposits | 90.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.58% |
| Securities to assets | 10.44% |
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 | 13.27% | 1.53% | 4.35% | 0.18% | 0.03% |
| Q4 2023 | 12.94% | 1.46% | 4.14% | 0.17% | 0.00% |
| Q1 2024 | 13.43% | 1.24% | 4.07% | 0.17% | -0.02% |
| Q2 2024 | 13.34% | 1.39% | 4.06% | 0.16% | 0.01% |
| Q3 2024 | 13.40% | 1.47% | 4.10% | 0.24% | 0.01% |
| Q4 2024 | 13.56% | 1.48% | 4.04% | 0.11% | 0.15% |
| Q1 2025 | 14.18% | 1.32% | 4.10% | 0.18% | 0.06% |
| Q2 2025 | 14.08% | 1.58% | 4.39% | 0.12% | 0.00% |
| Q3 2025 | 14.28% | 1.61% | 4.34% | 0.14% | 0.07% |
| Q4 2025 | 12.84% | 1.63% | 4.29% | 0.13% | 0.02% |
| Q1 2026 | 13.25% | 1.33% | 4.11% | 0.13% | 0.00% |
| Q2 2026 | 13.57% | 1.50% | 4.26% | 0.11% | 0.01% |
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 34566) · FFIEC NIC profile (RSSD 2619714)