Bank Comparison
Alliance Community Bank vs Village Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
20 · 3
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Alliance Community Bank | Village Bank |
|---|---|---|
| CET1 Ratio | 13.65% | 12.34% |
| Tier 1 Capital Ratio | 13.65% | 12.34% |
| Total Capital Ratio | 14.61% | 13.48% |
| Tier 1 Leverage Ratio | 8.85% | 8.78% |
| Equity / Assets | 8.30% | 6.90% |
Profitability
| Metric | Alliance Community Bank | Village Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 0.58% |
| Return on Equity (ROE) | 12.20% | 8.50% |
| Net Interest Margin (NIM) | 3.53% | 3.48% |
| Yield on Earning Assets | 4.93% | 5.05% |
| Cost of Funds | 1.48% | 1.64% |
Asset quality
| Metric | Alliance Community Bank | Village Bank |
|---|---|---|
| Texas Ratio | 5.24% | 15.26% |
| Non-Performing Loan Ratio | 0.64% | 1.62% |
| Non-Performing Asset Ratio | 0.39% | 1.16% |
| Net Charge-Off Ratio | 0.27% | 2.65% |
| ACL / Loans | 1.01% | 1.13% |
Balance sheet
| Metric | Alliance Community Bank | Village Bank |
|---|---|---|
| Total Assets | $410,246K | $410,179K |
| Total Deposits | $364,383K | $346,830K |
| Total Loans | $248,263K | $292,343K |
| Total Equity | $34,031K | $28,294K |
| Net Income (quarter) | $1,045K | $608 |
Liquidity & funding
| Metric | Alliance Community Bank | Village Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.13% | 84.29% |
| Core Deposit Ratio | 96.69% | 96.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Alliance Community Bank | Village Bank |
|---|---|---|
| Headquarters City | PETERSBURG | SAINT FRANCIS |
| Headquarters State | IL | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 69 | 52 |
| Established | May 18, 1910, midnight | Jan. 11, 1993, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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