Alliance Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 7.5% higher than in Q1 2026, at $16.0M. Alliance Community Bank ranks 114th of 198 Illinois banks on CET1 ratio, in the lower half at 14.29% (Q2 2026). Alliance Community Bank reported 14.29% on CET1 ratio for Q2 2026, 0.78 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 9.08% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.8M |
| Tier 1 capital | $36.8M |
| Total risk-based capital | $39.3M |
| Total equity capital | $34.8M |
| Risk-weighted assets | $257.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.40% |
| Tangible equity to tangible assets | 7.05% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 13.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $26.5M |
| Retained earnings | $16.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.01% | 13.01% | 13.95% | 8.30% | $241.7M |
| Q4 2023 | 13.22% | 13.22% | 14.17% | 8.52% | $248.2M |
| Q1 2024 | 13.14% | 13.14% | 14.10% | 8.36% | $248.0M |
| Q2 2024 | 13.20% | 13.20% | 14.15% | 8.25% | $250.5M |
| Q3 2024 | 13.43% | 13.43% | 14.40% | 8.39% | $251.5M |
| Q4 2024 | 13.12% | 13.12% | 14.05% | 8.51% | $260.6M |
| Q1 2025 | 12.98% | 12.98% | 13.95% | 8.47% | $264.8M |
| Q2 2025 | 13.28% | 13.28% | 14.24% | 8.78% | $268.1M |
| Q3 2025 | 13.45% | 13.45% | 14.40% | 8.79% | $269.5M |
| Q4 2025 | 13.49% | 13.49% | 14.44% | 8.97% | $267.7M |
| Q1 2026 | 13.65% | 13.65% | 14.61% | 8.85% | $261.7M |
| Q2 2026 | 14.29% | 14.29% | 15.26% | 9.08% | $257.8M |
Alliance Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Community Bank, freeSource: Call Report Schedule RC-R, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9631) · FFIEC NIC profile (RSSD 924937)