| Metric | Alliant Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $256.4M | $232.1M | $203.7M | $22.9M | $1.4M | 1.07% | 4.59% | 0.28% |
| Q1 2026 | $263.8M | $240.2M | $200.9M | $22.4M | $671K | 1.01% | 4.42% | 0.27% |
| Q4 2025 | $267.3M | $244.4M | $203.5M | $21.8M | $2.0M | 0.79% | 4.35% | 0.64% |
| Q3 2025 | $263.9M | $240.7M | $195.9M | $21.8M | $1.7M | 0.88% | 4.34% | 1.02% |
| Q2 2025 | $248.5M | $225.7M | $199.0M | $21.5M | $1.0M | 0.82% | 4.34% | 0.75% |
| Q1 2025 | $249.5M | $226.7M | $192.6M | $21.2M | $454K | 0.74% | 4.24% | 0.93% |
| Q4 2024 | $239.3M | $217.3M | $192.1M | $20.9M | $2.8M | 1.26% | 4.44% | 2.36% |
| Q3 2024 | $243.2M | $221.2M | $186.7M | $21.0M | $2.2M | 1.34% | 4.44% | 0.11% |
Loan mix (Q2 2026): real estate $182.4M · commercial $7.5M · consumer $765K · securities $10.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alliant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 62.9% | 71st |
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 | Alliant 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 | Alliant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Alliant 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 | Alliant 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 | Alliant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 4 counties across 1 state (+1 vs 2024) · $225.7M branch deposits. Biggest market: Adair, MO, ranked 4th with 15.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adair, MO | 1 | $121.6M | 15.45% | 4th |
| Cooper, MO | 2 | $54.6M | 10.99% | 4th |
| Monroe, MO | 2 | $47.9M | 17.86% | 3rd |
| 1 more county with Pro → | ||||
Missouri: 147th with 0.08% · Columbia metro: 21st, 0.78% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6