Alliance Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alliance Community Bank of Petersburg, IL against its peer group of 2672 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 | 1.44% | 1.35% | +0.09% | 60th above |
| ROAE | 17.28% | 12.05% | +5.23% | 77th top |
| Net Interest Margin | 3.66% | 3.90% | -0.24% | 35th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.11% | 63.15% | -1.04% | 48th below |
| PPNR / Avg Assets | 1.52% | 1.64% | -0.12% | 46th below |
| Yield on Earning Assets | 5.05% | 5.65% | -0.60% | 25th below |
| Cost of Funds | 1.48% | 1.85% | -0.37% | 71st above |
| Net Interest Spread | 3.26% | 3.35% | -0.09% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.92% | -0.31% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.67% | -0.31% | 46th below |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 165.51% | 1645.77% | -1480.26% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.42% | 7.15% | -1.73% | 38th below |
| Provision / NCO | 87.50% | 1189.87% | -1102.37% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.29% | 20.83% | -6.54% | 42nd below |
| Tier 1 Ratio | 14.29% | 20.87% | -6.58% | 41st below |
| Total Capital Ratio | 15.26% | 21.94% | -6.68% | 40th below |
| Leverage Ratio | 9.08% | 12.46% | -3.38% | 14th bottom |
| Equity / Assets | 8.40% | 11.67% | -3.27% | 18th bottom |
| TCE / Tangible Assets | 7.05% | 11.40% | -4.35% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.33% | 78.65% | -11.32% | 74th above |
| Core Deposit Ratio | 96.79% | 87.09% | +9.70% | 92nd top |
| Wholesale Funding Ratio | 2.09% | 5.11% | -3.02% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.98% | 6.48% | -5.50% | 25th below |
| Loan Growth (Y/Y) | -0.97% | 7.64% | -8.61% | 19th bottom |
| Deposit Growth (Y/Y) | 0.36% | 6.03% | -5.67% | 25th below |
See Alliance Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alliance Community 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 Community Bank profile, how to read a UBPR, or how this data updates.