| Metric | Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 10.9% | 11.9% | -0.9 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $391.3M | $334.8M | $303.4M | $52.3M | $2.8M | 1.41% | 4.29% | 0.21% |
| Q1 2026 | $399.9M | $339.3M | $289.8M | $51.3M | $1.3M | 1.32% | 4.18% | 0.15% |
| Q4 2025 | $398.5M | $338.9M | $297.9M | $50.1M | $5.9M | 1.54% | 4.43% | 0.16% |
| Q3 2025 | $388.1M | $321.0M | $304.8M | $53.5M | $4.3M | 1.50% | 4.41% | 0.11% |
| Q2 2025 | $378.6M | $313.0M | $297.1M | $51.9M | $2.7M | 1.44% | 4.39% | 0.11% |
| Q1 2025 | $371.9M | $312.7M | $292.3M | $50.5M | $1.2M | 1.29% | 4.18% | 0.16% |
| Q4 2024 | $376.9M | $314.3M | $299.7M | $48.8M | $5.1M | 1.39% | 4.23% | 0.14% |
| Q3 2024 | $376.2M | $314.3M | $297.4M | $48.2M | $3.8M | 1.36% | 4.23% | 0.20% |
Loan mix (Q2 2026): real estate $254.0M · commercial $23.1M · consumer $5.1M · securities $40.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.9% | 41th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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