# ALLIANT BANK
MADISON, MO · FDIC certificate 1946 · 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 | $256.4M | |
| Deposits | $232.1M | |
| Loans and leases | $206.3M | |
| Total equity | $22.9M | |
| Loans / deposits | 87.78% (p76 of band) | 73.59% |
| Liquid assets / assets | 13.55% (p8 of band) | |
| Uninsured deposits / deposits | 16.06% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.03% (p11 of band) | 11.76% |
| Unrealized securities loss / equity | -2.09% (p70 of band) | -6.57% |
| AOCI / equity | -0.05% (p67 of band) | |
| ROA (annualized) | 1.07% (p44 of band) | 1.17% |
| Net interest margin | 4.59% (p79 of band) | 3.93% |
| Efficiency ratio | 71.09% (p63 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 24.16% (p58 of band) | |
| Auto loans | $468,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 68 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | deposits shrinking |  |
| 2020-06 | 0 |  | deposits shrinking |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | uninsured deposits leaving |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2021-06-25 [Bank robbed in Boonville Friday morning, unknown amount stolen - KOMU 8](https://news.google.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?oc=5) · KOMU 8
- 2021-06-02 [Bank robbery in Pilot Grove - KRCG](https://news.google.com/rss/articles/CBMiaEFVX3lxTE11N2NDQUdLT0YzbDgxS1k5Z3p4OUtYRDA1OGVqRHg0NU5wUkRGa29aYVhTMjFjN2VoOHA5aUZkR2hleUw5Y1ZHZ1RzQkVxaHVWanVtRTF4MldiMm1qdVU3ZFlRRVM0N0VH?oc=5) · KRCG
- 2022-03-19 [Two indicted in connection with Hannibal armed robbery - wgem.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSmduVkIwRGVQUE1QWEM5YWlyUzkta0tmQ05EUk1ad29WOVU3VVBtZmd2ZDRTV0dQMl9YTHpYUW5idGpSXzRiRnhKOWVJMFd6NnNrY2ZnV3FESFJpM3YwZnVfbE9LMEZxcXE4RUxRSkd0emNfSy1wNm5VQkt0NTNwVG1OSmRpR19EbDdmSdIBoAFBVV95cUxOWGJQTF81dEI3OXc2aExPclI3eUdoTTJWVENRY1poVDVGQWlWN2hPZTNrcldfV08wQThaS1ZoekRDdUp5Q2wyZ3h6RUM5VnYtUWZwZXUwNzlOSVpUeHQzYjAxQ0lrTzdKV2dabTl1bTY2bFFOdmFKZ005Z2pkb0dsRmhsU1Z3NURJTFFLTDROMnVUVjBPZnljSy1QeVBDVzBx?oc=5) · wgem.com
- 2024-10-04 [Barbara "Denise" (Mauck) Treasure (May 1, 1949 - October 4, 2024) - Travis-Noe Funeral Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxORmFVTGwwaEJTT1VKUE5XTnF2amlPT3VEZTYtYU1rcGdrOU93RmRvbGNkY3lNNC1BRVl0b00wdVdrVnplVlBXcXVEYW8zYzU3bTY4ZTh5T3F3VG1iUlJFMGxOM2d5Y29zbTRPNklmZ2hya012M2NsWlBlOGRHM2hjaGMwdw?oc=5) · Travis-Noe Funeral Home
- 2022-06-02 [Indictment Filed for Blackwater Bank Robbery - KMZU.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQblpWeVBrNVRSNGxxSW9RWDJPb2dpN0VUYmJzMWpKdG9QSktXZG5INkhYZjFuWGJQMnFsVkd4RWdsMzlEeXQ3NFdLbHFJWkstQWFaR3p0ak8wUmxHYzJvcGpHRWliT01jM1VkWHo2V0tDNUZwR09RWGcxbkxKNXktb1NBc082QV9MQzIzc0dhelkwell5LWJ6MERHUXMtbHYxN1lsMW1kZ2JHZkROeG5pYVdobUNzamJjc3BsNUpMOElGQVha?oc=5) · KMZU.com
- 2023-03-16 [UPDATE: Accused mid-Missouri bank robber to go on trial this summer - 93.9 The Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbkZJN3VQZDM4d3hDdVNXS2U1QXJVYmlPeFY5a09KUThnc0kxZWFlOXNjYVdVZHM1Um1WaUhESW05MlpOVVFtS29ucUxVcVJZUXRCWkhhcFB4YWRlRDJGaVVzYmxvblZmX1o0NWZBQl80UGJpVG0xeGJSSEhqRGNDZnk2Wk9XX0pqUWlWNnQ3ZzNTTHlsT1E?oc=5) · 93.9 The Eagle
- 2021-06-04 [FBI HAS RELEASED A DESCRIPTION OF THE SUSPECT IN PILOT GROVE BANK ROBBERY - KMMO](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWmJhLVJUVngzZEVjRGk2S0hoY0hMcXZleDE4a21ab3R0VUxrMXAzQkRFcFRHdVhsZWEtc2MwQUlaLUZEc2hZazJjVHRQcmlzZmUxWDg1bVJzTjA1MnVtZFBEb2ZjMDZKeE5TYlVGT0NnQVB1M09PWEg1VzA4UGNSR1NpVzNlTDlpVkpvNGU3b2R4Wm9CZGNCejVHM3NlZHp1WWRtMHhlMTVZZw?oc=5) · KMMO
- 2021-06-25 [Bank robbery in Boonville - KRCG](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9lZmlOSGQ1Z2t4ajBkN2VBcTZQVXh3eGcxTVFMLTBPbFM4R0o5aURjd041UnNqMzhpWW9fcm9Rc3phbS1hVjlHanBEZDRHSVkya1RiRk9UdkZXcjFkVi1sbS1rTjVRQQ?oc=5) · KRCG

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1946 (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/26.json (key "1946", 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