Alliance Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 8.70 percentage points in Q2 2026, from 156.81% to 165.51%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Alliance Community Bank is 110th of 323 on return on assets, 1.44% as of Q2 2026, above the middle of the field. Alliance Community Bank reported 1.44% on return on assets for Q2 2026, 0.19 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 9.08% |
| Equity capital to assets | 8.40% |
| Tangible equity to tangible assets | 7.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 5.42% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 165.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 17.28% |
| Net interest margin | 3.66% |
| Efficiency ratio | 62.11% |
| Yield on earning assets | 5.05% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.33% |
| Core deposits to total deposits | 96.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.79% |
| Securities to assets | 22.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.01% | 13.01% | 13.95% | 8.30% | 0.62% |
| Q4 2023 | 13.22% | 13.22% | 14.17% | 8.52% | 0.58% |
| Q1 2024 | 13.14% | 13.14% | 14.10% | 8.36% | 0.49% |
| Q2 2024 | 13.20% | 13.20% | 14.15% | 8.25% | 0.65% |
| Q3 2024 | 13.43% | 13.43% | 14.40% | 8.39% | 0.87% |
| Q4 2024 | 13.12% | 13.12% | 14.05% | 8.51% | 0.56% |
| Q1 2025 | 12.98% | 12.98% | 13.95% | 8.47% | 0.88% |
| Q2 2025 | 13.28% | 13.28% | 14.24% | 8.78% | 1.40% |
| Q3 2025 | 13.45% | 13.45% | 14.40% | 8.79% | 1.04% |
| Q4 2025 | 13.49% | 13.49% | 14.44% | 8.97% | 1.30% |
| Q1 2026 | 13.65% | 13.65% | 14.61% | 8.85% | 1.02% |
| Q2 2026 | 14.29% | 14.29% | 15.26% | 9.08% | 1.44% |
Alliance Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)