Alliance Bank: how it compares with its peers
Against 44 IN banks with half to twice its assets, Alliance Bank's strongest measure in Q2 2026 is return on assets (2.28% vs. a 1.08% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.1M).
| Measure | Alliance Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.28% | 1.08% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.67% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.36% | 64.74% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.1M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.52% | 81.94% | Context |
What it means for lending operations
Its efficiency ratio of 49.36% is better than the 64.74% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Hometown Savings Bank Terre Haute, IN · $456M
- The Bippus State Bank Huntington, IN · $459M
- Security Federal Savings Bank Logansport, IN · $464M
- Home Bank SB Martinsville, IN · $433M
- The First National Bank of Monterey Monterey, IN · $431M
- Kentland Bank Kentland, IN · $419M
Questions about Alliance Bank
How big is Alliance Bank?
Alliance Bank, established in 1930, is headquartered in Francesville, IN. It reported $455M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Alliance Bank's return on assets?
2.28% annualized in Q2 2026, against a 1.08% median for 44 IN banks with half to twice its assets, ahead of 95% of them.
What is Alliance Bank's efficiency ratio?
49.36% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 64.74%, and lower is better.
Is Alliance Bank growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits shrank 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.