| Metric | Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +4.9% | -11.2 pts |
| Deposit growth (YoY) | -8.6% | +4.3% | -13.0 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.9 pts |
| ROA | 1.00% | 1.28% | -0.3 pts |
| ROE | 9.7% | 12.4% | -2.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $755.9M | $657.9M | $605.5M | $76.7M | $3.8M | 1.00% | 3.74% | 0.01% |
| Q1 2026 | $767.5M | $668.6M | $603.2M | $79.9M | $2.1M | 1.10% | 3.68% | 0.01% |
| Q4 2025 | $757.8M | $666.4M | $573.0M | $78.3M | $7.0M | 0.90% | 3.33% | 0.01% |
| Q3 2025 | $760.1M | $671.0M | $562.2M | $75.9M | $5.0M | 0.85% | 3.23% | 0.01% |
| Q2 2025 | $806.9M | $720.1M | $570.0M | $73.4M | $3.1M | 0.79% | 3.09% | 0.01% |
| Q1 2025 | $777.2M | $688.1M | $574.7M | $71.0M | $1.4M | 0.71% | 3.06% | 0.05% |
| Q4 2024 | $784.9M | $693.7M | $566.8M | $74.2M | $4.9M | 0.64% | 3.13% | 0.25% |
| Q3 2024 | $760.2M | $668.9M | $570.7M | $73.4M | $3.5M | 0.61% | 3.13% | 0.23% |
Loan mix (Q2 2026): real estate $457.5M · commercial $101.9M · consumer $10.2M · securities $87.6M
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 61.2% | 60th |
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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