| Metric | Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 2.28% | 1.24% | +1.0 pts |
| ROE | 22.5% | 11.9% | +10.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $454.8M | $398.2M | $320.6M | $47.8M | $5.2M | 2.28% | 4.43% | 0.01% |
| Q1 2026 | $458.7M | $403.1M | $314.0M | $47.0M | $2.8M | 2.47% | 4.44% | 0.01% |
| Q4 2025 | $462.0M | $398.3M | $312.1M | $45.0M | $9.8M | 2.17% | 4.31% | 0.01% |
| Q3 2025 | $464.1M | $408.4M | $319.9M | $44.9M | $7.4M | 2.20% | 4.29% | 0.01% |
| Q2 2025 | $459.0M | $404.2M | $311.2M | $40.2M | $4.5M | 2.02% | 4.23% | 0.02% |
| Q1 2025 | $437.0M | $387.6M | $290.4M | $41.4M | $2.4M | 2.25% | 4.23% | 0.01% |
| Q4 2024 | $427.8M | $382.7M | $283.0M | $37.7M | $8.6M | 2.03% | 4.11% | 0.00% |
| Q3 2024 | $426.3M | $363.5M | $273.9M | $40.8M | $6.6M | 2.10% | 4.08% | 0.00% |
Loan mix (Q2 2026): real estate $246.3M · commercial $31.3M · consumer $532K · securities $101.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.28% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 22.5% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 62.9% | 15th |
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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