# ALLIANCE BANK
FRANCESVILLE, IN · FDIC certificate 197 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $454.8M | |
| Deposits | $398.2M | |
| Loans and leases | $325.8M | |
| Total equity | $47.8M | |
| Loans / deposits | 80.52% (p47 of band) | 82.04% |
| Liquid assets / assets | 23.76% (p46 of band) | |
| Uninsured deposits / deposits | 24.37% (p44 of band) | 25.97% |
| Brokered deposits | 0.22% | |
| Wholesale funding | 1.06% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.43% (p73 of band) | 10.81% |
| Unrealized securities loss / equity | -25.35% (p16 of band) | -8.10% |
| AOCI / equity | 0.15% (p86 of band) | |
| ROA (annualized) | 2.28% (p92 of band) | 1.28% |
| Net interest margin | 4.43% (p79 of band) | 3.91% |
| Efficiency ratio | 49.36% (p17 of band) | |
| Noncurrent loans | 0.01% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 13207.69% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 49.21% (p56 of band) | |
| Auto loans | $283,000 (0.09% of loans; DQ 2.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 64 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-07-15 [Western Alliance Bank Named One of Arizona’s ‘Most Admired Companies’ for 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZ1RkcEtpWHNINlRVeXoyb0loVmdTQ0RPT3puTzRKbmxseVliZ0h0RGVET2hSZmlmaW1FNkhYN2p4RG16eVRwbE4zQWlESElyWEswUHB0dnFTcXQwQ0RnMGxuQlQ5TExhaHVHWkhuV3FUVVV4Qy1xY2E5NGo5NU5GTFdyYURPMzZPcTVuTXJsa1JRcUlNZlZoLW05MG4?oc=5) · Yahoo Finance
- 2026-06-30 [Western Alliance Bank Named #1 Best Bank in Arizona on Forbes 2026 Best-In-State Banks List - Business Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOVDhldnhlUUNhd3l3MXVRWnpGNmwzVXJoSElORHRCNTk3aFhsX2lJX0VIWTRHU0l4dWRQNld2bDBRS3FiR3U2dFo5dVRJWWM2aWd1MEZrZTBjX2h0d2VKRzNNemhXZU5oSjcyMGNwWml1cmpra0VIS3c3YlBxNUY3UG5CNEVsX2hPNWpXVXlMS3EzY0RHZ0I2SGhJQmhjeGVPZGMxc1pTaTB1NmhmYUpTendNZk1HVXZJTDBUeGx0aXVRcDBRU1VOV1l2SGFJd0d2cTRRRVRKUzIyV1VERENTag?oc=5) · Business Wire
- 2026-08-30 [Alliance Bank Delivers Despite Margin And Cost Pressures - BusinessToday Malaysia](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcUFjRnFra2Y2S2V6WVRyWHR0dkRabUVwdm9VUnVnZGJOa2gwWGpBSE43NHBVWEV5VThPbWpQUTlWNlRkVWxGM0Y5SGtFSmZzS3V5REx6QU5EejViN0RXVTBJei1zeFNXdmt4RjZNREZNYmZ3VllXVG9WaWhIaEtJcTJOdmdZTkdMQU9IOGJYSUZSaGs1SjBWLTlzN2ZXOTRDRTRn?oc=5) · BusinessToday Malaysia
- 2026-08-11 [Bendigo Bank faces $5.65m penalty after 2023 Alliance Bank breach - Asian Banking & Finance](https://news.google.com/rss/articles/CBMiugFBVV95cUxNYkY0SjJwYVNwQ0hwWmJxeXJqbXRRbGd0VDlyaVBZbVdRYjI0RXRTSTBMcnFQUXBwSlhYOGNJbTMtUVRUS1pxN25CbjlXRzFxT21tdTlMODVkZE5EUGI1V2dMRE1EUl91TDdhRTVmSlRSWnZYM2poMUhISzhsT2k5T0E2U0RzS0dQTFhKbjRWVHJWUFVIZ2N0NFpLdkZQSWxhaEozWUg5VFBBb3VobEJYQXQ3VFo2akEtOFE?oc=5) · Asian Banking & Finance
- 2026-08-26 [Banks have a duty of care in transferring funds and cannot depend only on automation, says judge - The Edge Malaysia](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9BMWtiRmthek9xa2ZOM2VyVjJheFJNYkNYUEFOWWY1dzV1QVBfal9HWkpHdnVEclNFSU95aGc2cnlXTTAtLWlnU0VxM2E5SVJy?oc=5) · The Edge Malaysia
- 2026-06-30 [Western Alliance Bank Named #1 Best Bank in Arizona on Forbes 2026 Best-In-State Banks List - Financial Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUFlpZFBNLURXaXh4RjdnZ0M4QlZPUHl4NnRna01lVGwwWTJIVTNLUk1BcTlkNDNndnUtdG5GXzNlZ0pYZzZFeFRDUGtydGhhYVdtTTlLTTk1S2VhbktCOEs5SENaSEpYUjl6Q2NoTXVrVG9CZFFhazE3cUpSN2REX0g4M29uclJKbVFZNmFIaDVhU3Nhdm8wTnBxUWR6cE1hbG0wOXpn?oc=5) · Financial Times
- 2026-08-27 [Alliance Bank delivers strong 1Q performance - The Star](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQemxKT2lVOHpQM1h6anNvYV8xVGdkQXVlNXJfanI0RVNXdF9tdEhTZHlyWENQOFlFNGdvQzZ4OVZxV2Z2bW14N1hoaDJEclp2UEtsSDh0eGZyZWxoUHFSTEhmOGFsN0pNTnFpLXZpRmlYOF9mWGcwRGhuOTBTa2dYMzdLNkMwSVBtNzNPZW1LWFR6a09rR2dQNzdibDl1X181aW5VM0lZQjY?oc=5) · The Star
- 2026-08-26 [Alliance Bank Net Profit Jumps 25% on Broad-Based Loan Growth - finance.biggo.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFAyRzVadzZXZ2hSOGoxSnBaZjd3U1NXTURYS1hzMmRSNEJIUWxvM0hXengwbkdIV1Z4bGp1cWlVS1pCNWZUajlYTTN5MkFKYVJjYmF2QmlUeTY4eS1sSWtFTnNoN01NZnlYZnJwZU9heTJjWV8xWGc?oc=5) · finance.biggo.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=197 (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/5.json (key "197", 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