Alliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alliance Bank of Francesville, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.06% | 1.34% | +0.72% | 87th top |
| ROAE | 20.18% | 13.32% | +6.86% | 87th top |
| Net Interest Margin | 4.35% | 3.93% | +0.42% | 73rd above |
| Efficiency Ratio | 50.73% | 61.14% | -10.41% | 79th top |
| PPNR / Avg Assets | 2.18% | 1.68% | +0.50% | 79th top |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 1.22% | 1.88% | -0.66% | 84th top |
| Net Interest Spread | 3.94% | 3.32% | +0.62% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 75th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) | 1859.57% | 1545.97% | +313.60% | — |
| Texas Ratio | 0.55% | 7.34% | -6.79% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.43% | 12.14% | +0.29% | 69th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.37% | -0.86% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.04% | 11.08% | -1.04% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.82% | 80.66% | +1.16% | 48th below |
| Core Deposit Ratio | 90.65% | 86.85% | +3.80% | 59th above |
| Wholesale Funding Ratio | 0.84% | 5.04% | -4.20% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.91% | 6.84% | -7.75% | 15th bottom |
| Loan Growth (Y/Y) | 3.06% | 7.92% | -4.86% | 37th below |
| Deposit Growth (Y/Y) | -1.49% | 6.29% | -7.78% | 15th bottom |
See Alliance Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alliance Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Alliance Bank profile, how to read a UBPR, or how this data updates.