Alliance Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Alliance Community Bank is an FDIC-insured commercial bank headquartered in Petersburg, IL, established in 1910 (FDIC certificate 9631), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $414.5M, up 1.0% from Q2 2025, the 119th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9631
- Headquarters
- Petersburg, IL
- Established
- 1910
- Total assets, Q2 2026
- $414.5M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 14.29%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071111481
- Latest call report
- Q2 2026, FFIEC 051 · Alliance Community Bank call report
- Holding company
- AC BANCORP, INC.
- Asset rank in state
- 119th of 319 in Illinois
Alliance Community Bank operates with a thinner capital cushion than most banks of its size. Based in Petersburg, Illinois, it had $414 million in assets at June 30, 2026. It funds 9.08% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also shrank its loan book 1.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.2 million equal 22% of Tier 1 capital, down from 31% a year earlier.
As of June 30, 2026, Alliance Community Bank reported a CET1 capital ratio of 14.29%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.37%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Alliance Community Bank is the 119th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $414.5M, loans fell 0.2% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.2% of total loans, ahead of farmland and other real estate loans at 24.7%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in IL; its Petersburg 2 offices book 59% of its branch deposits. On its Q2 2026 call report, Alliance Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 321 N 6th St, Petersburg, IL 62675
- County
- Menard
- Metro Area
- Springfield, IL
- 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
- May 18, 1910
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $368.0M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $264K
- Average total assets
- $411.8M
- Average total loans
- $246.8M
- Average interest-bearing deposits
- $291.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9631
- Fed RSSD
- 924937
- SEC CIK
- 2158305 → filed by AC BANCORP, INC.
- Website
- http://www.bankacb.com →
- Parent Holding Company
- AC BANCORP, INC. (RSSD 1406971)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Alliance Community Bank's total assets moved between a low of $392.0M (Q3 2023) and a high of $415.7M (Q3 2025) from Q3 2023 to Q2 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
$414.5M total assets against $410.4M; $379.7M total liabilities against $379.6M.
$245.3M net loans and leases against $247.7M; $368.0M total deposits against $366.7M.
$95.0M securities against $112.3M; $47.1M cash and balances due against $23.7M.
$4.9M total interest income against $4.9M; $1.4M total interest expense against $1.6M.
$3.6M net interest income against $3.3M.
$655K total noninterest income against $665K; $2.6M total noninterest expense against $2.5M.
$68K provision for credit losses against $4K.
$1.5M net income against $1.4M.
1.44% return on assets against 1.40%; 3.66% net interest margin against 3.40%.
14.29% CET1 capital ratio against 13.28%; 9.08% tier 1 leverage ratio against 8.78%.
Inside the full Alliance Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAlliance Community Bank rankings
Its closest position to the top of a national ranking is 1,436 of 3,611, for ROA; its furthest is 2,048 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q4 2024) to 1.44% (Q2 2026) and its net interest margin ran from 2.71% (Q3 2024) to 3.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.29% | 1.44% | 0.55% | 4.37% | 3.66% |
| Q1 2026 | 13.65% | 1.02% | 0.49% | 4.02% | 3.53% |
| Q4 2025 | 13.49% | 1.30% | 0.26% | 2.16% | 3.59% |
| Q3 2025 | 13.45% | 1.04% | 0.28% | 2.31% | 3.42% |
| Q2 2025 | 13.28% | 1.40% | 0.46% | 4.26% | 3.40% |
| Q1 2025 | 12.98% | 0.88% | 0.25% | 2.40% | 3.07% |
| Q4 2024 | 13.12% | 0.56% | 0.15% | 1.57% | 2.94% |
| Q3 2024 | 13.43% | 0.87% | 0.17% | 1.48% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Community Bank (main office) | Petersburg , IL | 62675 | $191.3M |
| Athens Facility | Athens , IL | 62613 | $73.7M |
| Springfield Facility | Springfield , IL | 62707 | $40.8M |
| New Salem Facility | Petersburg , IL | 62675 | $26.7M |
| Mason City Branch | Mason City , IL | 62664 | $25.9M |
| Archer Branch | Springfield , IL | 62711 | $9.6M |
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 2, 2021 | Structure Change | Acquired 1st State Bank of Mason City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Structure Change | Acquired National Bank of Petersburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 137 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 357 applications, 295 loans originated, $42.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Community Bank
What are Alliance Community Bank's total assets?
As of the Q2 2026 filing, Alliance Community Bank reported total assets of $414.5 million in its FFIEC call report.
Where is Alliance Community Bank headquartered?
It is headquartered in Petersburg, IL, United States.
When was Alliance Community Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Alliance Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9631). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alliance Community Bank?
Alliance Community Bank's primary federal regulator is the FDIC.
What is Alliance Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Alliance Community Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Alliance Community Bank's Texas Ratio?
Its Texas Ratio is 4.37% 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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