TellerScore

Alliance Bank is a state-chartered bank headquartered in Francesville, Indiana, in business for about 96 years. At the end of Q2 2026 it reported $454.8M in total assets and $398.2M in deposits, with 7 offices.

Alliance Bank has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 4th. Loan quality contributes the most (100/100, 0.01%); funding & liquidity contributes the least (69/100, 81% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.43%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings100/100
Return on assets (annualized): 2.28%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 80.5% · 24.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.07%

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 (87 → 88).

TellerScore
868890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202489
Q4 202488
Q1 202590
Q2 202587
Q3 202586
Q4 202586
Q1 202687
Q2 202688
Tier 1 leverage ratio
5.00%8.77%12.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.66%
Q3 202411.96%
Q4 202411.88%
Q1 202512.53%
Q2 202512.10%
Q3 202511.93%
Q4 202511.91%
Q1 202612.21%
Q2 202612.43%
Noncurrent loans
0.00%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.01%
Q2 20250.02%
Q3 20250.01%
Q4 20250.02%
Q1 20260.01%
Q2 20260.01%
Return on assets
1.97%2.22%2.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.97%
Q3 20242.10%
Q4 20242.03%
Q1 20252.25%
Q2 20252.02%
Q3 20252.20%
Q4 20252.17%
Q1 20262.47%
Q2 20262.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$454.8M12.43%0.01%2.28%80.5%
Q1 202687$458.7M12.21%0.01%2.47%77.9%
Q4 202586$462.0M11.91%0.02%2.17%78.4%
Q3 202586$464.1M11.93%0.01%2.20%78.3%
Q2 202587$459.0M12.10%0.02%2.02%77.0%
Q1 202590$437.0M12.53%0.01%2.25%74.9%
Q4 202488$427.8M11.88%0.00%2.03%73.9%
Q3 202489$426.3M11.96%0.00%2.10%75.4%
Q2 202488$430.8M11.66%0.00%1.97%76.1%

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 ratio12.43%
69th
Total risk-based capital0.00%
24th
Problem loans0.01%
85th
Net charge-offs-0.00%
79th
Return on assets2.28%
93rd
Net interest margin4.43%
77th
Efficiency ratio49.4%
84th
Loans to deposits80.5%
48th
Uninsured deposits24.4%
49th
Loan-loss reserves1.58%
83rd
Texas ratio0.1%
87th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
The Hometown Savings BankBank Terre Haute, IN55 out of 100, Moderate$455.7M8.3%0.59%vs
The Bippus State BankBank Huntington, IN76 out of 100, Strong$458.9M12.0%0.86%vs
Security Federal Savings BankBank Logansport, IN68 out of 100, Moderate$464.4M11.0%0.31%vs
Home Bank SBBank Martinsville, IN71 out of 100, Strong$433.1M12.5%0.86%vs
The First National Bank of MontereyBank Monterey, IN81 out of 100, Strong$430.5M13.1%0.37%vs
Kentland BankBank Kentland, IN75 out of 100, Strong$419.4M12.5%0.56%vs

Deposit insurance

Is my money safe at Alliance Bank?

Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.4% of deposits ($97.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.43%, well 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

7 locations

Branches

Alliance Bank lists 7 offices in 7 cities. Most locations:

  • Francesville, IN (1)
  • Monon, IN (1)
  • Monticello, IN (1)
  • Otterbein, IN (1)
  • Oxford, IN (1)
  • Rensselaer, IN (1)
  • Winamac, IN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alliance Bank reported 62 home-loan applications under HMDA (LEI 549300T3JUQ02E9W8I27): 46 originated ($10,740,000 total), 5 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, 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
Peoples State Bank of Francesville
Type
State-chartered bank
FDIC certificate #
197
RSSD ID
493741
Primary regulator
FDIC
Holding company
Alliance Bcorp
Established
July 3, 1930
Headquarters
101 W Montgomery St., Francesville, IN 47946
Employees
64

Quick answers

Alliance Bank: common questions

Is Alliance Bank FDIC insured?

Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Alliance Bank's TellerScore?

88 out of 100 (Very 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 #197 in the FDIC failed bank list.

How many branches does Alliance Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Francesville

InstitutionScoreAssetsCapitalProblem loansCompare
Lakes Federal Credit UnionCredit union Monticello, IN83 out of 100, Strong$28.0M15.2%0.92%vs
The First National Bank of MontereyBank Monterey, IN81 out of 100, Strong$430.5M13.1%0.37%vs
Bank of WolcottBank Wolcott, IN81 out of 100, Strong$280.3M12.0%0.43%vs
Kentland BankBank Kentland, IN75 out of 100, Strong$419.4M12.5%0.56%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs
Lake City BankBank Warsaw, IN73 out of 100, Strong$7.2B11.9%0.36%vs