# ALLIANCE COMMUNITY BANK
PETERSBURG, IL · FDIC certificate 9631 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $414.5M | |
| Deposits | $368.0M | |
| Loans and leases | $247.8M | |
| Total equity | $34.8M | |
| Loans / deposits | 66.65% (p20 of band) | 82.04% |
| Liquid assets / assets | 34.29% (p74 of band) | |
| Uninsured deposits / deposits | 12.50% (p7 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.09% (p42 of band) | |
| FHLB advances / assets | 2.09% | |
| Tier 1 leverage | 9.08% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -23.44% (p19 of band) | -8.10% |
| AOCI / equity | -1.11% (p20 of band) | |
| ROA (annualized) | 1.24% (p48 of band) | 1.28% |
| Net interest margin | 3.66% (p36 of band) | 3.91% |
| Efficiency ratio | 66.64% (p66 of band) | |
| Noncurrent loans | 0.55% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | 0.13% (p87 of band) | |
| Reserve coverage of noncurrent | 182.36% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 24.70% (p31 of band) | |
| Auto loans | $9.7M (3.93% of loans; DQ 1.57%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 73 | |

## 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 | 1 | capital falling |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 2 | capital falling, reserve under noncurrent | uninsured deposits leaving, deposits shrinking |
| 2015-12 | 0 |  | capital falling, reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, NIM <2.5% | reserve under noncurrent |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | uninsured deposits leaving | capital falling |
| 2024-03 | 2 | NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 3 | capital falling, uninsured deposits leaving | NIM <2.5% |
| 2024-09 | 1 |  | capital falling, uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2023-12-15 [Alliance Community Bank expanding Springfield presence - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQWGF4dmJFbHJoc0RJODhHSWZfMzZaUTBVbENaU0xVN0VSVFFGQXluUjlJLVRtUGRKT3NRS0tLOW5WTTh2MmlXNl9ZamNZWjJOLUFFOWQ4NnRmalNHLVhFXy1meTV1elJYMkZrT1RXaVk4MTF3eVUxa3NSRzhZb19VRFBGbklYanJ4TGZNSkszV0xDdjF5NzBGSDJYYkZrSVNHOEhFMTkzVEJkdjVHTnJqZFdiX0dpQQ?oc=5) · springfieldbusinessjournal.com
- 2024-08-14 [Stacey Vincent joins Alliance Community Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQLXk0SXRTQmVheEV0OEZrSzZGT1FHeG1JUlVDS1NSTU01N3FmZ0Q0N1I2UkxvSUZBb3U1dUtHRXZoOE5OUlk3eTduU1FYTWx6WTQ1REg5TzVOa0tDYVNIQUgxekV4YXlXT0g2UEJwTmpxQml3ZS1YX09xdzJDcWlLa0RJYkJkWWJoN2JzNmlVSUF4MEE0UERGeE5Jcm5sUWs3MV9aYWJwMFc?oc=5) · springfieldbusinessjournal.com
- 2021-09-14 [Bank robbery suspect still at large; FBI takes lead in investigation - The State Journal-Register](https://news.google.com/rss/articles/CBMitAFBVV95cUxNT0Y1VnJ2cUtXVWZueEt3Wi15V2RZdWlYZWM4NTBRRmxHVEJZVFlQQXJRa1d2SEM5ZndIXzVWR3dtSW5BdUlXYXp3TXdIc0ljMldOVmtnV25NQlFJbGxJMzJyd1dKWWlDUDVLUm1pQ2gzQ3V5UFEtQ3k4ejFHNDNiS3lMZnZyLVEtQTFOUnR6bjFDNlJ0c0E1N2FtTG0zOWNieFItZUtWUWxWajNLYXNXNzA3MzU?oc=5) · The State Journal-Register
- 2021-11-03 [Complaint reveals more details in Springfield bank robbery case - wandtv.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNd3dLRjg4VVdnUmtsTHBEb2NBZzA3RHV6MlpYT3V4T01oazlkMVRIYjJIX0pKREhyMVY4cmh2b0JKcXJVZFhDTzhXaW9RaThwcmd0ZVhrbjM2S2czVGNVUFo0eFozUVdNdDJuRS1ILV9nRnhQUmNWY21WMDl4VDB4NUNQZmtYSGxqeHhVWE1Xa21MU2dVd2VMWU9xbzNlem1LekRNTW9QWktRUngtVHRMRmlXTVI3bTVXVDJuUmhPU3NaLXNRR3dFdXFOZTVVU295MWdmNXZYeVE?oc=5) · wandtv.com
- 2023-09-18 [Ricky Young Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZUl5cU1BLTAzbkdubWx0RHQxRldfcVBCSTJ1b1lhVGVjaVBXNGZpZUYxMThiLWJ3ZUdUT3l2Vm9pVTBoRHBNWEtoTVpMZldkcHgtN21mMFh4T1lqUFRobkI2eXh0ZTc4VVg3RU1xdHJmcHNETXRaS2NKNDROTXJ3X3dsMmQ?oc=5) · Dignity Memorial
- 2021-10-16 [Two Springfield residents face charges of robbing rural Sangamon County bank in September - The State Journal-Register](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOTG4tdXBkYVc3MEN1ZUItenQ1aFFuUUp5bmVBeWxMWDQwc3BoS0RyWUttYnRRRDd5UjU1aTdPVlJHbllzN0EybXgyeHIxdXpqODhrUWlMdFV0TnVveHAwckxyWWQ0OUFLYVlNLU0tYUE2SmFQN3FNY0t0SEhFakNDVERrc3lyM1c0QkNySzk5clJ0UEFLTTVIQjlURFBGS3VKTzFQSTZkMVd4YVRpRm9pZTczRFJKZTYwbmNVVW5fcmF4dw?oc=5) · The State Journal-Register
- 2025-04-14 [Marilynn Ferricks Obituary (2025) - Athens, IL - Mott & Henning Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQamU2eUhlWFZkanBTUzRsVUFORE5PSDJRV3JpTHNCaEVQTks1TWJ0NkVXaUZHM2swcTFnOHVydFMxWEhIRE1pN1oxNUtOZzAxd2toWXJNWW1KaFRHRlZBS2UwczJOUGZHRkx0Z3dBX0pjZDExS3Z1REc5TE1VRHozQThUS3BwQkk?oc=5) · legacy.com
- 2024-11-19 [Two new hires for Security Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxORWFFbFFlX1VXa3E1OGU5MFAyMWtyYWp3VUNYR3lkWG1oVzRrUnh2R1JSUlVPTXBZa3hpRHc1T1NrUDV3YnNpYXRkdVhOOWYzQTZtNm1EdEI3VlpKamlGbHJzc0V0UmF3WVpQRjFablgyck1WTWJuUW5UbVN2aXZuSVRBUXI0akVyYjREZ3E3U2R5MV94bXFn?oc=5) · springfieldbusinessjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9631 (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 "9631", 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