# ALLIANCE BANK
CAPE GIRARDEAU, MO · FDIC certificate 34566 · 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 | $391.3M | |
| Deposits | $334.8M | |
| Loans and leases | $307.4M | |
| Total equity | $52.3M | |
| Loans / deposits | 90.62% (p72 of band) | 82.04% |
| Liquid assets / assets | 15.13% (p17 of band) | |
| Uninsured deposits / deposits | 11.39% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.57% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -3.81% (p68 of band) | -8.10% |
| AOCI / equity | -0.72% (p32 of band) | |
| ROA (annualized) | 1.41% (p59 of band) | 1.28% |
| Net interest margin | 4.29% (p72 of band) | 3.91% |
| Efficiency ratio | 59.75% (p45 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 494.17% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 44.80% (p51 of band) | |
| Auto loans | $3.4M (1.11% of loans; DQ 3.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 68 | |

## 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 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 4 | brokered >10%, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | deposits shrinking |  |
| 2016-03 | 3 | loans exceed deposits |  |
| 2016-06 | 1 |  | brokered >10%, deposits shrinking |
| 2016-09 | 1 | capital falling | loans exceed deposits |
| 2016-12 | 2 | liquid assets <10% |  |
| 2017-03 | 0 |  | capital falling, liquid assets <10% |
| 2017-06 | 1 | liquid assets <10% |  |
| 2017-09 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, capital falling |  |
| 2017-12 | 4 |  | brokered >10% |
| 2018-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2019-09 | 1 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2019-12 | 3 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | capital falling |
| 2020-03 | 2 |  | liquid assets <10% |
| 2020-06 | 3 | liquid assets <10%, capital falling | uninsured deposits leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2022-12 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | uninsured deposits leaving | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | uninsured deposits leaving |  |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-01 [Anna State Bank to join Alliance Bank, keeping staff and expanding services - seMissourian](https://news.google.com/rss/articles/CBMiywFBVV95cUxPcnRWYWNGUkFHOE9udW5uWTFNSXU5SHdjS1JGWmN1bWV3Qnh1UHlDUHN6SjNVdXRaRzFFcEs5bjdrNjRQWkNvOGJnT0RUTENWbVBOTnVLWk9CcVFJR3Z6QU9od21JNnJId0Q0U01PYS16R1gwbi1kYWlzTWd2M2FJSkRfVlVJRWhobndudHl0WHM2MG5iVWUwak5tUEpEekd1TkF0QUdTRFRfMlBwMWY0NFF2d3ZHekFuOE1yNEd4Qzg5QmVMZEc1aFFybw?oc=5) · seMissourian
- 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
- 2026-06-10 [California man charged with defrauding Western Alliance bank out of nearly $100 million - Reuters](https://news.google.com/rss/articles/CBMixwFBVV95cUxOZXdXY1l1NktMVS1IUjRjcUxtUXNJbTZ4UlU1elliVzhlSUJuaTFXb25WQWMyQWdIRmxEUS1tWFhrQkRjZWdjU2hXYndWWmxyUFBnRldSOTRQWTlqU094TjdTYm9YS3ZScDVwNFc4TXB5cHZ6MVQ1c1VCTUtfT2JlNVZWbW9LZzVOWmtsWE00RVVUVG12TGZzdGFnUjlJRUZJSGdGMFlnYjBSV1VfYnRBNmlwYmF2bllXcWhDT1g0TF9zSUJBOWhz?oc=5) · Reuters
- 2026-03-04 [Western Alliance Bank CD Rates: A Good Choice in 2026? - The Motley Fool](https://news.google.com/rss/articles/CBMiggFBVV95cUxQTHVYeWZTRkhrS0dRMXhPVFFGblo2MWZtVHh6azNKMHBwZUNyRGtyTVdJb3ZBVXFrU09DUFFNZTZOaDVRNVV1QzUwUF9xRUJOamRhWk9UQVVJX3RTM2lieVpjdVI5NzJWbm80YVNaTmVVNTZfTmlXb093eXVPMEJCUm1B?oc=5) · The Motley Fool
- 2025-11-23 [DBS said to revise Alliance Bank offer proposal to 30% stake — Bloomberg - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQUY2TEoweVF2dGNRUnplMTdOX09OTGNHTndqbEplM3FBVzc5OXRtV19BcGxPZlNzWVhSLWdjNkZkVXNIZFc2cURHNzRCbTBybjhzWnJVWUJCMWE5azV3ejlhVEdXdURSZFlnOWhXaERITFM1UjNSY1V5V0F2QjJKZ3MxaXg?oc=5) · Yahoo Finance Singapore
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 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
- 2026-08-14 [Best CD Rates of September 2026 (Up to 4.15% APY) - The Motley Fool](https://news.google.com/rss/articles/CBMiYEFVX3lxTE01TjI3ZDRmV0VsX0EtUnRTQ0ozT1gwdV8yYms4a3ZGTUQ3Mi1xQ0lCdlA3X2NBaGNBaC1DLTMycmROQmxCbjU1WEdWZTNUVUVyTnZNSUNNYW9IdFdKSXpMdw?oc=5) · The Motley Fool

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34566 (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/6.json (key "34566", 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