BlastPoint's Banking Scorecard
Alliance Bank
Community
Specialty: Commercial
MN
FDIC cert 10973
Lake City, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Alliance Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 7% in Community
- - Deposit Outflow: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$757.8M
-3.5% YoY
-0.3% QoQ
|
-$633.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$573.0M
+1.1% YoY
+1.9% QoQ
|
-$402.5M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$666.4M
-3.9% YoY
-0.7% QoQ
|
-$498.2M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.90%
+39.5% YoY
+5.3% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.33%
+6.5% YoY
+3.0% QoQ
|
-0.33% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
64.86%
-10.8% YoY
-1.4% QoQ
|
+2.23% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.01%
-97.3% YoY
-6.1% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
85.99%
+5.2% YoY
+2.6% QoQ
|
+2.92% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
29.86%
-0.8% YoY
-7.3% QoQ
|
+8.81% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.01%
-97.6% YoY
-4.0% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
12.56%
+1.5% YoY
+1.1% QoQ
|
+2.32% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.41%
+1.5% YoY
+38.1% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Capital Constraint
risk
#4 of 47 · Bottom 7% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
85.99%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.56%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Deposit Outflow
decline
#67 of 248 · Bottom 27% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.86% · Tier avg: 21.05%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.99% · Tier avg: 83.06%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 10.24%
41
41th pctile
Efficiency Ratio
Current: 64.86% · Tier avg: 62.63%
39
39th pctile
Total Loans
Current: $573.0M · Tier avg: $975.5M
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
35
35th pctile
Total Deposits
Current: $666.4M · Tier avg: $1.2B
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
32
32th pctile
Total Assets
Current: $757.8M · Tier avg: $1.4B
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
Top Weaknesses
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
32
32th pctile
Total Assets
Current: $757.8M · Tier avg: $1.4B
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
35
35th pctile
Total Deposits
Current: $666.4M · Tier avg: $1.2B
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
39
39th pctile
Total Loans
Current: $573.0M · Tier avg: $975.5M
41
41th pctile
Efficiency Ratio
Current: 64.86% · Tier avg: 62.63%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 10.24%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.99% · Tier avg: 83.06%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.86% · Tier avg: 21.05%
95
95th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%