Alliance Bank: how it compares with its peers
Against 77 MO banks with half to twice its assets, Alliance Bank's strongest measure in Q2 2026 is net interest margin (4.29% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.5M).
| Measure | Alliance Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.67% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 4.15% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.75% | 57.08% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.5M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.62% | 86.10% | Context |
What it means for lending operations
Its efficiency ratio of 59.75% is above the 57.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bloomsdale Bank Bloomsdale, MO · $390M
- Pony Express Bank Braymer, MO · $399M
- Central Bank of Kansas City Kansas City, MO · $410M
- Branson Bank Branson, MO · $414M
- MA Bank Macon, MO · $417M
Questions about Alliance Bank
How big is Alliance Bank?
Alliance Bank, established in 1997, is headquartered in Cape Girardeau, MO. It reported $391M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Alliance Bank's return on assets?
1.41% annualized in Q2 2026, against a 1.67% median for 77 MO banks with half to twice its assets, ahead of 40% of them.
What is Alliance Bank's efficiency ratio?
59.75% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 57.08%, and lower is better.
Is Alliance Bank growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits grew 7.0%.
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 MO 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 Missouri bank ranked.