Alliance Community Bank: how it compares with its peers
Against 126 IL banks with half to twice its assets, Alliance Community Bank's strongest measure in Q2 2026 is return on assets (1.24% vs. a 1.16% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $7.2M).
| Measure | Alliance Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.16% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 3.69% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.64% | 62.58% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $7.2M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.65% | 77.67% | Context |
What it means for lending operations
Its efficiency ratio of 66.64% is above the 62.58% 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
- Devon Bank Chicago, IL · $419M
- Community Savings Bank Chicago, IL · $410M
- First National Bank of Brookfield Brookfield, IL · $420M
- The First National Bank of Allendale Allendale, IL · $421M
- Union National Bank and Trust Company of Elgin Elgin, IL · $422M
- First Federal Savings Bank Ottawa, IL · $422M
Questions about Alliance Community Bank
How big is Alliance Community Bank?
Alliance Community Bank, established in 1910, is headquartered in Petersburg, IL. It reported $414M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Alliance Community Bank's return on assets?
1.24% annualized in Q2 2026, against a 1.16% median for 126 IL banks with half to twice its assets, ahead of 56% of them.
What is Alliance Community Bank's efficiency ratio?
66.64% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 62.58%, and lower is better.
Is Alliance Community Bank growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits grew 0.4%.
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 IL 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 Illinois bank ranked.