# ALLIANCE BANK
TOPEKA, KS · FDIC certificate 34930 · asset band <$300M · latest filing 2024-09 · stopped filing (departed)

**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 | $144.7M | |
| Deposits | $123.2M | |
| Loans and leases | $103.6M | |
| Total equity | $18.1M | |
| Loans / deposits | 82.71% (p68 of band) | 72.07% |
| Liquid assets / assets | 27.40% (p35 of band) | |
| Uninsured deposits / deposits | 25.83% (p72 of band) | 18.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.91% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.37% (p59 of band) | 11.60% |
| Unrealized securities loss / equity | -1.42% (p77 of band) | -10.38% |
| AOCI / equity | 1.22% (p31 of band) | |
| ROA (annualized) | 1.29% (p69 of band) | 0.91% |
| Net interest margin | 4.18% (p73 of band) | 3.54% |
| Efficiency ratio | 57.37% (p21 of band) | |
| Noncurrent loans | 0.09% (p37 of band) | 0.27% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 1845.74% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 47.05% (p75 of band) | |
| Auto loans | $2.5M (2.39% of loans; DQ 0.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 19 | |

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2019-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 | charge-offs p90 | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 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
- 2026-04-01 [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
- 2026-03-06 [Western Alliance sues Jefferies over unpaid debt tied to First Brands - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxOcF9oYmh2dHBaTUdSZ2hNeFBGcFN0dWNnQVNzanVxX0JEUnh2STBzal9mck5QY2ZJbWp3WmhCR2ptOE5oYzctWUdnQ3VmVDRWV20xZXVrSlJNSmF3RmZYVkU0VWlyTVpIYk9zd1AtTUVWNEsxSTNxSVI4OXg0Y3VkNUxsMjliMnFLUGE0N0Iwam1CZmdGdTVfN0plRE5FQQ?oc=5) · Banking Dive
- 2026-04-22 [Western Alliance Bank reports deposit growth in the billions - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPLUdXdlVsNnpHbDlQbVlfR3MtMkJDODJlZjhNdXMwTnJlUEhmakxRTnRvMEFsMHRnV3JSM1pESmJBOTZOWU9uZ3NSV2J1MU5tanVrYV8yUE5YdkdkQ1BsNVY1eUNOWGd6S1Bad0ZuZ3dtYkJiRzJZa252OEVHY3kxakRQSld6ckgxWFVsSFFocElsN0M0Y3FqZnprY2JYOHM?oc=5) · The Business Journals
- 2026-06-03 [Bank Without Worry at the 10 Safest Banks in the U.S. - The Motley Fool](https://news.google.com/rss/articles/CBMidkFVX3lxTE5DU1c0cEtqdUFiNTJLMm53RXh3emt4aDNTcF82VDQ5ZjhzN2FCazI2MHNvYTVzQVNUaTFEeWltNk5aVVlXZTd2bFJ3Z0VuYzhERTZ5VmJ3VWo2SkhvRHVMNlFRNjhnRC15dDQwMDY5eVUtUDJ3YlE?oc=5) · The Motley Fool
- 2026-01-27 [Western Alliance reports $990.6M annual profit while preparing for major regulatory threshold - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOcFZSenZHZzlXSmg4S2NpRm5wUFpPQ09QSU1wdFU4a1liV3lpNTlCY09KV2o2ZVVsRmt2VDNYNVkzVURVdVdQcmNpejV4WmFDczM3NENZVXROVDVtMFUyNjFLRnIwNnhyRlBrc2Qtb3FZR2I2eGxXeERJY2Zjckl0anJYSXluaXRGV2JueXY3OXh2VHNwcm4yRVF1U18ya3lGazlJ?oc=5) · The Business Journals
- 2024-08-05 [Bennington State Bank to acquire Alliance Bank in Topeka - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTFBWNGZkYVZVUndTbDNTcm5RTkVnRVpncVRNemFqaFVhRjMxR2Q3NEJOMGhVdjI0R1E4ek54R2FDeXQwdDdVd2lOeUQtNUtkaVJkT18wd0Z5MjZYa3E0eVF1bzNsQlJOeS1SdEVmLW1KU0YwQnM?oc=5) · Salina Post
- 2024-08-14 [Salina-based bank holding company is acquiring two banks in Topeka - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiygFBVV95cUxQd052OExXMmp1RmI0eEd0bzNsallIdC1kTDVfWVp1WWJ2NkFuT2pubDJ5eUh0cm1waWNfb194VWVmOGUyRUk2a2tibDBDQngyclRfOE13MDNVay02V3lSSG1lOWMySlZ0MDZsbE5JS0VJTnZOdlJrZDBQSzZ6UTVLZTBUQ2RrT1FfdHRFOVhOOVY1akdCc00zNlJBcXpCcE9BSkd3MzBUeklxMDdZS0ROS2t2N3oxbFlNTDluTkZxa0J6WEZhWVhIaXN3?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34930 (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/50.json (key "34930", 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.

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