| Metric | Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.4% | +8.0 pts |
| Deposit growth (YoY) | +13.0% | +4.0% | +9.0 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 2.26% | 1.24% | +1.0 pts |
| ROE | 24.5% | 11.9% | +12.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.0M | $216.4M | $192.3M | $22.6M | $2.9M | 2.26% | 4.43% | 0.42% |
| Q1 2026 | $254.1M | $202.6M | $200.5M | $24.9M | $1.5M | 2.42% | 4.34% | 0.48% |
| Q4 2025 | $258.0M | $209.9M | $196.2M | $24.2M | $4.6M | 1.92% | 4.04% | 0.35% |
| Q3 2025 | $238.1M | $191.8M | $186.5M | $22.5M | $3.2M | 1.81% | 3.95% | 0.29% |
| Q2 2025 | $236.6M | $191.6M | $180.4M | $21.3M | $1.9M | 1.62% | 3.82% | 0.29% |
| Q1 2025 | $232.4M | $190.3M | $172.0M | $20.8M | $918K | 1.60% | 3.69% | 0.22% |
| Q4 2024 | $226.8M | $183.7M | $165.5M | $19.7M | $2.0M | 0.89% | 3.15% | 0.22% |
| Q3 2024 | $220.5M | $182.7M | $156.6M | $19.4M | $1.3M | 0.81% | 3.00% | 0.06% |
Loan mix (Q2 2026): real estate $163.7M · commercial $10.1M · consumer $5.2M · securities $52.7M
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 24.5% | 11.9% | 96th | |
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 | 47.6% | 62.9% | 12th |
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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