Alliant Bank
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Data as of · sourced from FFIEC call reports. How we update
Alliant Bank is an FDIC-insured commercial bank headquartered in Madison, MO, established in 1888 (FDIC certificate 1946), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $256.4M, up 3.2% from Q2 2025, the 108th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.40% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1946
- Headquarters
- Madison, MO
- Established
- 1888
- Total assets, Q2 2026
- $256.4M
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 12.40%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081506390
- Holding company
- NEMO BANCSHARES, INC
- Asset rank in state
- 108th of 191 in Missouri
Alliant Bank operates with a thinner capital cushion than most banks of its size. The Madison, Missouri bank had $256 million in assets at June 30, 2026, up 3.2% from a year earlier. It funds 9.03% 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%). On the other hand, it keeps 4.71 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $735,000, 32% above the same quarter a year earlier.
As of June 30, 2026, Alliant Bank reported a CET1 capital ratio of 12.40%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 2.83%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Alliant Bank is the 108th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.8% to $256.4M, loans rose 1.4% and deposits fell 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.8% of total loans, followed by farmland and other real estate loans at 21.4%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MO; its Kirksville office books 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, Alliant Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Broadway St, Madison, MO 65263
- County
- Monroe
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 20, 1888
- Former names
- Community First Bank of Missouri (2000-2003); Madison-Hunnewell Bank (1988-2000)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $232.1M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $258.0M
- Average total loans
- $205.2M
- Average interest-bearing deposits
- $167.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1946
- Fed RSSD
- 35057
- Website
- www.alliantbank.com →
- Parent Holding Company
- NEMO BANCSHARES, INC (RSSD 2352253)
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
Alliant Bank's total assets moved between a low of $203.6M (Q4 2023) and a high of $267.3M (Q4 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
$256.4M total assets against $248.5M; $233.5M total liabilities against $227.0M.
$203.7M net loans and leases against $199.0M; $232.1M total deposits against $225.7M.
$10.6M securities against $12.8M; $24.1M cash and balances due against $17.0M.
$3.6M total interest income against $3.5M; $805K total interest expense against $1.0M.
$2.8M net interest income against $2.5M.
$503K total noninterest income against $370K; $2.3M total noninterest expense against $2.2M.
$25K provision for credit losses against $87K.
$735K net income against $556K.
1.14% return on assets against 0.89%; 4.71% net interest margin against 4.34%.
12.40% CET1 capital ratio against 12.16%; 9.03% tier 1 leverage ratio against 8.85%.
Inside the full Alliant Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAlliant Bank rankings
Its closest position to the top of a national ranking is 1,913 of 3,640, for Texas Ratio; its furthest is 2,788 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q4 2025) to 1.27% (Q3 2024) and its net interest margin ran from 4.15% (Q1 2025) to 4.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.40% | 1.14% | 0.00% | 2.83% | 4.71% |
| Q1 2026 | 12.35% | 1.02% | 0.00% | 2.89% | 4.39% |
| Q4 2025 | 11.81% | 0.51% | 0.44% | 3.73% | 4.37% |
| Q3 2025 | 12.44% | 1.01% | 0.45% | 7.81% | 4.32% |
| Q2 2025 | 12.16% | 0.89% | 0.04% | 7.82% | 4.34% |
| Q1 2025 | 12.31% | 0.74% | 0.27% | 8.42% | 4.15% |
| Q4 2024 | 12.85% | 0.99% | 2.91% | 8.74% | 4.25% |
| Q3 2024 | 12.95% | 1.27% | 0.14% | 1.13% | 4.39% |
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 |
|---|---|---|---|
| Kirksville Branch | Kirksville , MO | 63501 | $128.5M |
| Boonville Branch | Boonville , MO | 65233 | $42.4M |
| Monroe City Branch | Monroe City , MO | 63456 | $29.2M |
| Alliant Bank (main office) | Madison , MO | 65263 | $16.2M |
| Pilot Grove Branch | Pilot Grove , MO | 65276 | $12.8M |
| Moberly Branch | Moberly , MO | 65270 | $3.0M |
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 |
|---|---|---|---|
| September 10, 1988 | Structure Change | Acquired Bank of Hunnewell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 131 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $744K approved, $744K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Alliant Bank
What are Alliant Bank's total assets?
As of the Q2 2026 filing, Alliant Bank reported total assets of $256.4 million in its FFIEC call report.
Where is Alliant Bank headquartered?
It is headquartered in Madison, MO, United States.
When was Alliant Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Alliant Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alliant Bank?
Alliant Bank's primary federal regulator is the FDIC.
What is Alliant Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does Alliant 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 Alliant Bank's Texas Ratio?
Its Texas Ratio is 2.83% 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.
What was Alliant Bank previously called?
The charter now named Alliant Bank has also operated as Community First Bank of Missouri (2000-2003), Madison-Hunnewell Bank (1988-2000), per FDIC structure-change records.
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