Alliance Bank (Francesville, IN)
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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 Francesville, IN, established in 1930 (FDIC certificate 197), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $454.8M, down 0.9% from Q2 2025, the 45th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.43% 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
- 197
- Headquarters
- Francesville, IN
- Established
- 1930
- Total assets, Q2 2026
- $454.8M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 12.43%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074912674
- Latest call report
- Q2 2026, FFIEC 051 · Alliance Bank call report
- Holding company
- ALLIANCE BANCORP
- Asset rank in state
- 45th of 87 in Indiana
Alliance Bank, based in Francesville, Indiana, reported $455 million in assets at June 30, 2026. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 20.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Net income for the quarter rose 18% from a year earlier, to $2.4 million. Over the same year, loans grew 3.1% and deposits shrank 1.5%.
As of June 30, 2026, Alliance Bank reported a return on assets of 2.06%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.08%. The figures come from its call report filed with the FFIEC.
Alliance Bank ranks as the 45th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $454.8M, loans rose 2.1% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 19.0% of total loans, ahead of farmland and other real estate loans at 16.8%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in IN; its Rensselaer office books 23% of its branch deposits. On its Q2 2026 call report, Alliance Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Montgomery St., Francesville, IN 47946
- County
- Pulaski
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 3, 1930
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $398.2M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $465.4M
- Average total loans
- $321.9M
- Average interest-bearing deposits
- $315.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 197
- Fed RSSD
- 493741
- Website
- www.myalliancebank.com →
- Parent Holding Company
- ALLIANCE BANCORP (RSSD 1138405)
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
Over the 12 quarters to Q2 2026, Alliance Bank's total assets ran between $399.0M (Q3 2023) and $464.1M (Q3 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
$454.8M total assets against $459.0M; $407.0M total liabilities against $418.8M.
$320.6M net loans and leases against $311.2M; $398.2M total deposits against $404.2M.
$101.0M securities against $106.6M; $7.1M cash and balances due against $17.0M.
$5.9M total interest income against $5.7M; $1.2M total interest expense against $1.3M.
$4.7M net interest income against $4.4M.
$548K total noninterest income against $525K; $2.7M total noninterest expense against $2.5M.
$144K provision for credit losses against $386K.
$2.4M net income against $2.0M.
2.06% return on assets against 1.79%; 4.35% net interest margin against 4.20%.
12.43% tier 1 leverage ratio against 12.10%.
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 431 of 3,611, for ROA; its furthest is 3,260 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.75% (Q4 2024) to 2.45% (Q3 2025) and its net interest margin ran from 3.99% (Q4 2024) to 4.48% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.43% | 2.06% | 0.01% | 0.08% | 4.35% |
| Q1 2026 | 12.21% | 2.45% | 0.01% | 0.08% | 4.48% |
| Q4 2025 | 11.91% | 2.07% | 0.02% | 0.12% | 4.36% |
| Q3 2025 | 11.93% | 2.45% | 0.01% | 0.05% | 4.28% |
| Q2 2025 | 12.10% | 1.79% | 0.02% | 0.17% | 4.20% |
| Q1 2025 | 12.53% | 2.20% | 0.01% | 0.06% | 4.17% |
| Q4 2024 | 11.88% | 1.75% | 0.00% | 0.00% | 3.99% |
| Q3 2024 | 11.96% | 2.28% | 0.00% | 0.00% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Rensselaer Branch | Rensselaer , IN | 47978 | $91.3M |
| Alliance Bank (main office) | Francesville , IN | 47946 | $89.7M |
| Monticello Branch | Monticello , IN | 47960 | $64.2M |
| Winamac Branch | Winamac , IN | 46996 | $59.5M |
| Oxford Branch | Oxford , IN | 47971 | $33.6M |
| Otterbein Branch | Otterbein , IN | 47970 | $30.6M |
| Monon Branch | Monon , IN | 47959 | $29.3M |
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 |
|---|---|---|---|
| November 21, 2005 | Structure Change | Acquired State Bank of Oxford Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 20, 2005 | 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
- 0.2% of deposits in IN, rank 61 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 62 applications, 46 loans originated, $10.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $189K approved, $189K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 $454.8 million in its FFIEC call report.
Where is Alliance Bank headquartered?
It is headquartered in Francesville, IN, United States.
When was Alliance Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Alliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #197). 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 7 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 0.08% 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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