BlastPoint's Banking Scorecard
Alliance Bank
Micro
Specialty: Agricultural
IN
FDIC cert 197
Designations: ✓ Community bank
Francesville, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Alliance Bank shows strong momentum with 2 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.09% above tier
- + Efficiency Ratio 18.15% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$462.0M
+8.0% YoY
-0.5% QoQ
|
+$244.5M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$312.1M
+10.3% YoY
-2.4% QoQ
|
+$172.9M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$398.3M
+4.1% YoY
-2.5% QoQ
|
+$214.7M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
2.17%
+6.9% YoY
-1.3% QoQ
|
+1.09% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.31%
+4.9% YoY
+0.5% QoQ
|
+0.45% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
49.58%
-3.0% YoY
+3.2% QoQ
|
-18.15% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.02%
+128.7% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
78.35%
+6.0% YoY
+0.0% QoQ
|
+3.83% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.33%
-8.3% YoY
+5.8% QoQ
|
-2.06% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.01%
+124.1% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
-7.7% YoY
+32.3% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.17%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.58%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
96
96th pctile
Total Deposits
Current: $398.3M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $462.0M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $312.1M · Tier avg: $139.2M
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 49.58% · Tier avg: 67.73%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.35% · Tier avg: 74.53%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.33% · Tier avg: 22.39%
Top Weaknesses
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.33% · Tier avg: 22.39%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.35% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
90
90th pctile
Efficiency Ratio
Current: 49.58% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
94
94th pctile
Total Loans
Current: $312.1M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $462.0M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $398.3M · Tier avg: $183.7M