TellerScore

Alliance Bank (FDIC certificate #12511) is based in Mondovi, Wisconsin. Its Q2 2026 call report shows $266.0M in total assets and $216.4M in deposits and 4 offices.

Based on its Q2 2026 filing, Alliance Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 82nd. Its strongest component is earnings (100/100; 2.26%), and its lowest is capital cushion (40/100; 9.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.02%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 12.2% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.51%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).

TellerScore
697376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202469
Q1 202575
Q2 202573
Q3 202574
Q4 202576
Q1 202674
Q2 202672
Tier 1 leverage ratio
5.00%7.66%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.79%
Q3 20249.97%
Q4 20249.96%
Q1 202510.12%
Q2 20259.93%
Q3 202510.03%
Q4 202510.21%
Q1 202610.31%
Q2 20269.02%
Noncurrent loans
0.06%0.33%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.06%
Q4 20240.28%
Q1 20250.28%
Q2 20250.37%
Q3 20250.37%
Q4 20250.46%
Q1 20260.60%
Q2 20260.58%
Return on assets
0.81%1.61%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.81%
Q4 20240.89%
Q1 20251.60%
Q2 20251.62%
Q3 20251.81%
Q4 20251.92%
Q1 20262.42%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$266.0M9.02%0.58%2.26%88.9%
Q1 202674$254.1M10.31%0.60%2.42%99.0%
Q4 202576$258.0M10.21%0.46%1.92%93.5%
Q3 202574$238.1M10.03%0.37%1.81%97.2%
Q2 202573$236.6M9.93%0.37%1.62%94.2%
Q1 202575$232.4M10.12%0.28%1.60%90.4%
Q4 202469$226.8M9.96%0.28%0.89%90.1%
Q3 202471$220.5M9.97%0.06%0.81%85.7%
Q2 202471$217.1M9.79%0.12%0.82%80.4%

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).

Capital ratio9.02%
12th
Total risk-based capital0.00%
24th
Problem loans0.58%
42nd
Net charge-offs-0.00%
78th
Return on assets2.26%
92nd
Net interest margin4.43%
76th
Efficiency ratio47.6%
88th
Loans to deposits88.9%
29th
Uninsured deposits12.2%
90th
Loan-loss reserves1.19%
49th
Texas ratio4.5%
38th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
East Wisconsin Savings BankBank Kaukauna, WI53 out of 100, Below average$265.8M7.1%0.06%vs
Pillar BankBank Baldwin, WI62 out of 100, Moderate$267.0M10.0%0.92%vs
Bank of DeerfieldBank Deerfield, WI76 out of 100, Strong$268.3M10.5%0.13%vs
Marathon BankBank Wausau, WI82 out of 100, Strong$261.1M15.3%0.03%vs
Ergo BankBank Markesan, WI44 out of 100, Below average$276.7M8.4%1.74%vs
Security BankBank New Auburn, WI69 out of 100, Moderate$253.8M11.6%1.19%vs

Deposit insurance

Is my money safe at Alliance Bank?

Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #12511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.2% of deposits ($26.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Alliance Bank lists 4 offices in 4 cities. Most locations:

  • Cochrane, WI (1)
  • Fountain City, WI (1)
  • Mondovi, WI (1)
  • Osseo, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Alliance Bank
Former names
Mondovi State Bank of Mondovi, Wisconsin; Bank of Mondovi
Type
State-chartered bank
FDIC certificate #
12511
RSSD ID
21658
Primary regulator
FDIC
Holding company
Gebsco Inc
Established
January 1, 1900
Headquarters
245 S Eau Claire St, Mondovi, WI 54755
Employees
42

Quick answers

Alliance Bank: common questions

Is Alliance Bank FDIC insured?

Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #12511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Alliance Bank's TellerScore?

72 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 #12511 in the FDIC failed bank list.

How many branches does Alliance Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mondovi

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs