Alliance Bank is a state-chartered bank headquartered in Lake City, Minnesota, in business for about 159 years. At the end of Q2 2026 it reported $755.9M in total assets and $657.9M in deposits, with 6 offices.
Based on its Q2 2026 filing, Alliance Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 100th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (50/100; 92% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 72 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.91% |
| Q3 2024 | 9.95% |
| Q4 2024 | 9.86% |
| Q1 2025 | 9.38% |
| Q2 2025 | 9.79% |
| Q3 2025 | 9.99% |
| Q4 2025 | 10.26% |
| Q1 2026 | 10.68% |
| Q2 2026 | 10.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.90% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $755.9M | 10.07% | 0.01% | 1.00% | 92.0% |
| Q1 2026 | 72 | $767.5M | 10.68% | 0.01% | 1.10% | 90.2% |
| Q4 2025 | 70 | $757.8M | 10.26% | 0.01% | 0.90% | 86.0% |
| Q3 2025 | 69 | $760.1M | 9.99% | 0.01% | 0.85% | 83.8% |
| Q2 2025 | 68 | $806.9M | 9.79% | 0.01% | 0.79% | 79.2% |
| Q1 2025 | 67 | $777.2M | 9.38% | 0.01% | 0.71% | 83.5% |
| Q4 2024 | 65 | $784.9M | 9.86% | 0.28% | 0.64% | 81.7% |
| Q3 2024 | 65 | $760.2M | 9.95% | 0.30% | 0.61% | 85.3% |
| Q2 2024 | 61 | $733.2M | 9.91% | 0.50% | 0.62% | 96.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Platinum BankBank Oakdale, MN | 55 out of 100, Moderate | $739.1M | 8.5% | 0.81% | vs |
| FM BankBank Waseca, MN | 66 out of 100, Moderate | $738.4M | 7.7% | 0.00% | vs |
| Highland BankBank Saint Paul, MN | 34 out of 100, Low | $775.9M | 8.6% | 2.51% | vs |
| The Bank of Elk RiverBank Elk River, MN | 59 out of 100, Moderate | $719.1M | 9.1% | 1.20% | vs |
| HomeTown BankBank Carver, MN | 64 out of 100, Moderate | $691.9M | 8.3% | 0.37% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |
Deposit insurance
Is my money safe at Alliance Bank?
Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #10973). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.4% of deposits ($206.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.98% (benchmark: 10%).
6 locations
Branches
Alliance Bank lists 6 offices in 6 cities. Most locations:
- Hanska, MN (1)
- Lake City, MN (1)
- Madelia, MN (1)
- New Ulm, MN (1)
- Red Wing, MN (1)
- Saint Paul, MN (1)
HMDA 2025
Mortgage lending
In 2025, Alliance Bank reported 128 home-loan applications under HMDA (LEI 549300SKSQ3IYUXJCH36): 85 originated ($27,455,000 total), 13 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Alliance Bank
- Former names
- American Alliance Bank; Lake City Bank and Trust Company; American Bank Lake City; Lake City State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10973
- RSSD ID
- 166652
- Primary regulator
- FDIC
- Holding company
- Alliance Finl Services Inc
- Established
- January 1, 1867
- Headquarters
- 105 E Lyon Ave, Lake City, MN 55041
- Website
- www.alliancebanks.com
- Employees
- 95
Quick answers
Alliance Bank: common questions
Is Alliance Bank FDIC insured?
Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #10973). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Alliance Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Alliance Bank ever failed?
There is no failure record for FDIC certificate #10973 in the FDIC failed bank list.
How many branches does Alliance Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lake City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of AlmaBank Alma, WI | 83 out of 100, Strong | $339.5M | 50.8% | 0.97% | vs |
| Red Wing Credit UnionCredit union Red Wing, MN | 83 out of 100, Strong | $208.0M | 12.5% | 0.30% | vs |
| First Farmers & Merchants BankBank Cannon Falls, MN | 77 out of 100, Strong | $486.4M | 10.1% | 0.01% | vs |
| Wnb Financial, N.A.Bank Winona, MN | 76 out of 100, Strong | $583.7M | 10.3% | 0.08% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Merchants Bank, National AssociationBank Winona, MN | 73 out of 100, Strong | $2.9B | 11.5% | 0.53% | vs |