Alliance Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.69 percentage points lower than in Q1 2026, at 72.06%. Alliance Community Bank ranks 218th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 67.33% (Q2 2026). Alliance Community Bank reported 67.33% on loan-to-deposit ratio for Q2 2026, 13.51 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.8M |
| Net loans and leases | $245.3M |
| Loans held for sale | $499K |
| Loans to total assets | 59.78% |
| Loan-to-deposit ratio | 67.33% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.53% |
| Multifamily (5+ residential) | 1.34% |
| Commercial and industrial | 8.35% |
| Consumer | 5.29% |
| Credit cards | 0.00% |
| Farm | 24.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.06% |
| Construction concentration (Tier 1 capital + allowance) | 21.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $219.2M | $348.9M | 12.10% | 6.69% | 8.96% |
| Q4 2023 | $227.2M | $356.2M | 11.72% | 6.98% | 8.30% |
| Q1 2024 | $228.6M | $361.4M | 11.21% | 6.75% | 8.14% |
| Q2 2024 | $232.1M | $358.0M | 11.43% | 7.35% | 7.92% |
| Q3 2024 | $235.6M | $361.5M | 11.08% | 7.13% | 7.60% |
| Q4 2024 | $243.1M | $352.8M | 11.31% | 7.22% | 6.98% |
| Q1 2025 | $246.9M | $363.7M | 11.69% | 7.52% | 6.68% |
| Q2 2025 | $250.2M | $366.7M | 12.03% | 7.69% | 6.49% |
| Q3 2025 | $254.5M | $369.5M | 11.65% | 7.67% | 5.99% |
| Q4 2025 | $252.7M | $358.2M | 11.25% | 7.91% | 5.60% |
| Q1 2026 | $248.3M | $364.4M | 11.59% | 7.71% | 5.63% |
| Q2 2026 | $247.8M | $368.0M | 11.53% | 8.35% | 5.29% |
Alliance Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Community Bank, freeSource: Call Report Schedule RC-C, 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)