# ALLIANCE BANK
MONDOVI, WI · FDIC certificate 12511 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $266.0M | |
| Deposits | $216.4M | |
| Loans and leases | $194.6M | |
| Total equity | $22.6M | |
| Loans / deposits | 88.87% (p78 of band) | 73.59% |
| Liquid assets / assets | 24.22% (p30 of band) | |
| Uninsured deposits / deposits | 12.15% (p21 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.40% (p84 of band) | |
| FHLB advances / assets | 9.40% | |
| Tier 1 leverage | 9.02% (p11 of band) | 11.76% |
| Unrealized securities loss / equity | -5.35% (p55 of band) | -6.57% |
| AOCI / equity | 0.12% (p90 of band) | |
| ROA (annualized) | 2.26% (p91 of band) | 1.17% |
| Net interest margin | 4.43% (p74 of band) | 3.93% |
| Efficiency ratio | 47.65% (p10 of band) | |
| Noncurrent loans | 0.58% (p58 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 205.16% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 17.79% (p50 of band) | |
| Auto loans | $3.2M (1.62% of loans; DQ 0.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | uninsured deposits leaving |  |
| 2016-09 | 2 | capital falling | uninsured deposits leaving |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 2 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | reserve under noncurrent | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 | uninsured deposits leaving |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Western Alliance Bank Expands Full-Service Juris Banking Group’s Banking Team - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxQdVhEQVRzc3VBSUJEMmIyRVJISER0UURoZVZhWFVrd0VPdExNenZCOHFrNUwyRFY4VktQbDBsLVJRMGQ5cmJ2SXBGQm1Jc1RnQjJsN1M5YVN6WGhHWV9jTzFKXzl2N2NpbzI2VXFHbEpkZnZOb1ZKdDVTZXc5d0J1V3BaalNPVGVDVDNLZ2JyRXpiWnAxWl9XZWY3ZllIaDZmRko3aFYxVGI2R0NRXzZLaEd0V3lsbnZrVl96azJObXdKYlByX0RVX0pNcURWUQ?oc=5) · Business Wire
- 2026-03-17 [Fiserv and Western Alliance Bank Form Strategic Alliance to Power High-Impact Commerce Experiences for Clients - GlobeNewswire](https://news.google.com/rss/articles/CBMijwJBVV95cUxNdHJ6T2liUjBXc1ZzRjlYTlBJSjhkd0NHcW1JZVAyWXFOUkVqWVRZN0NUSkxsRFh2S3FHOU43UkdOU2gtOFMyWDctb21mNUVIYXJvcWRxTjFTWHF3T01lVU9hSkg2YWV6VGowT3FMcjFOcWZpUmNpa2JpSTdnazZMYUhRWkc3TTl3TVlabE15YU54NkpQNHdyZlRlM05tUEJXZlphZFVJNFlYZC1jekNCNmJHMW9pQ09qUWVoMmZXSEM5TzdNVEgya2tXZkl5bGxva2thc1VfMlZrYi1EdFN4NHdHRks0VnBtWXAtTEgyb0RmODlReGd2T3BKNnVaeDJzb01YcTZOa29idkR1VGRZ?oc=5) · GlobeNewswire
- 2026-03-06 [Western Alliance Sues Jefferies Over Soured Loan, Records Charge-Off - wsj.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRnNRZ1lIRm1fVjJoRzRVTlBfazlwMW9xcm5LejZkYW5zLWlkNnRqY0lpUzFqSDdydFh3YW9uQ1k4NUFSWTlvRVBtY08yWHJrTEZJbnJ3T19FUld1WDJBQzNaZktQS0dfMEFkdC0tQmRLMVZmTjhwbFpqdmNEWllfMC1B?oc=5) · wsj.com
- 2025-10-10 [Downtown St. Paul: Nonprofit acquires vacant Alliance Bank Center - Pioneer Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZko3Y3VoT2pYTGs2MC1kZUQyeDhvOU1zNUE0ekNiUDBpaDZ2Y1p6T0h2Qi0wX3lwQnMwTVlkYi00b1BKTUNCaTNfSHRBclBMYmhVMDVPTE1CendTNHpqNnF6cElzQ0tpRnZ3SDNmU2I0QzZJNzM3VjY3R3pvTl9IWVBxaTNfSHV3aWxWS29mUWszQWRfSkNqcTdNY1VQUmNWd2swcQ?oc=5) · Pioneer Press
- 2025-10-13 [St. Paul group acquires shuttered Alliance Bank Center - Finance & Commerce](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTldZSUtvbEw2WFRETXpyOW9FM25xSXozbW1yM0dGbmh0bEhmZTdkeVpOWUs0d2FFRnJGc0VRWFF6Rl93UFF2MHhieXRxZlNCNm01cWtsVGVyUkN6VUkwOGdrWlBOOWk3VEVHUzlfNTdvcDh4RFJIYmNlN0dGWS1NYV9sU0lHRmRsZHpwTlpEVW8?oc=5) · Finance &amp; Commerce
- 2025-10-15 [Nonprofit takes over downtown St. Paul's beleaguered Alliance Bank Center - Bring Me The News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOV1dETHNLdDg3VF9neno0cmZXSHE4VXFWTWJMMEFTSkJPd2tHQlZuZGdWMUhrc3VJSzd6b1lEZzBSTVZUZFM4YXJvSlVNR3lIYWRIWkNCWGJQTDVLcU1fNmR2eFBCNldKWUhBMFRnaXVadTBDV3ZLXzFuMExnMVlsMDZRLWp3WVJOYzFmakZfTmRES0tyVDlhSDFIUjdGMFM3MUFESmVNUUpwaW5uZ2l1QUlDcTFoRnA0aXc?oc=5) · Bring Me The News
- 2025-10-17 [Regional banks' bad loans spark concerns on Wall Street - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQMmIyQnEwZDhKNUVLRF9jcF9wRTJDb1pWTHE4T1hkWC1GcWxoUzdCNU5oejh3eldtMlZaS202Yk9WRU1JVEJfQXptcFBEaU9JWEl1czcwOWRrcHhxb3l1bzhoU2t1b2VaY0pQekltV2dYMHRadVdxenhBMUpSZzN4MHIzR1lMZGpNczgwb2hPM3AtdFk?oc=5) · spectrumlocalnews.com
- 2025-04-11 [What happens when a St. Paul office tower is abandoned - Axios](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMENnZDN3UG8yMDdxc1V6cmZJX1F4U09ZemdyTEJCRENPOUl4WmVZdjVtY3Y1QkRsRTNqN0hseGtZOUFKaEpaTGFZN3Y3YkY5ZnAzcmxsbTVES2tPaWpCNWh2YjdLd1BVNGxXWTJFVURuYjV0ODhNZy14VkxzMnpkRzh5U1ctYkM4WDc2X3U4Yw?oc=5) · Axios

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12511 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "12511", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide