| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.6 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 1.24% | 1.24% | -0.0 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $414.5M | $368.0M | $245.3M | $34.8M | $2.5M | 1.24% | 3.66% | 0.33% |
| Q1 2026 | $410.2M | $364.4M | $245.8M | $34.0M | $1.0M | 1.03% | 3.60% | 0.30% |
| Q4 2025 | $404.9M | $358.2M | $250.2M | $34.5M | $4.8M | 1.17% | 3.48% | 0.17% |
| Q3 2025 | $415.7M | $369.5M | $252.0M | $34.0M | $3.4M | 1.12% | 3.41% | 0.17% |
| Q2 2025 | $410.4M | $366.7M | $247.7M | $30.9M | $2.3M | 1.15% | 3.35% | 0.28% |
| Q1 2025 | $412.0M | $363.7M | $244.4M | $29.5M | $905K | 0.89% | 3.20% | 0.15% |
| Q4 2024 | $401.2M | $352.8M | $240.7M | $27.7M | $2.6M | 0.64% | 2.75% | 0.09% |
| Q3 2024 | $412.6M | $361.5M | $233.1M | $30.4M | $2.0M | 0.67% | 2.65% | 0.09% |
Loan mix (Q2 2026): real estate $178.9M · commercial $20.7M · consumer $13.1M · securities $95.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alliance Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 62.9% | 61th |
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 Community 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 Community 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 Community 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 Community 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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