Alliance Bank (FDIC certificate #34566) is based in Cape Girardeau, Missouri. Its Q2 2026 call report shows $391.3M in total assets and $334.8M in deposits and 5 offices.
Based on its Q2 2026 filing, Alliance Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 27th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is funding & liquidity (70/100; 91% loans-to-deposits, 11% 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 fell 2 points (86 → 84), mostly because the capital cushion component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 85 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 83 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.34% |
| Q3 2024 | 13.40% |
| Q4 2024 | 13.56% |
| Q1 2025 | 14.18% |
| Q2 2025 | 14.08% |
| Q3 2025 | 14.28% |
| Q4 2025 | 12.84% |
| Q1 2026 | 13.25% |
| Q2 2026 | 13.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $391.3M | 13.57% | 0.26% | 1.41% | 90.6% |
| Q1 2026 | 84 | $399.9M | 13.25% | 0.21% | 1.32% | 85.4% |
| Q4 2025 | 83 | $398.5M | 12.84% | 0.21% | 1.54% | 87.9% |
| Q3 2025 | 87 | $388.1M | 14.28% | 0.14% | 1.50% | 95.0% |
| Q2 2025 | 86 | $378.6M | 14.08% | 0.14% | 1.44% | 94.9% |
| Q1 2025 | 85 | $371.9M | 14.18% | 0.20% | 1.29% | 93.5% |
| Q4 2024 | 84 | $376.9M | 13.56% | 0.18% | 1.39% | 95.3% |
| Q3 2024 | 83 | $376.2M | 13.40% | 0.25% | 1.36% | 94.6% |
| Q2 2024 | 82 | $365.5M | 13.34% | 0.16% | 1.31% | 97.3% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bloomsdale BankBank Bloomsdale, MO | 73 out of 100, Strong | $390.2M | 8.9% | 0.30% | vs |
| Pony Express BankBank Braymer, MO | 76 out of 100, Strong | $399.5M | 10.2% | 0.17% | vs |
| Central Bank of Kansas CityBank Kansas City, MO | 82 out of 100, Strong | $410.2M | 11.9% | 0.13% | vs |
| Branson BankBank Branson, MO | 66 out of 100, Moderate | $414.1M | 9.2% | 0.60% | vs |
| MA BankBank Macon, MO | 65 out of 100, Moderate | $417.3M | 9.5% | 0.96% | vs |
| Bank of Franklin CountyBank Washington, MO | 65 out of 100, Moderate | $419.4M | 9.5% | 0.27% | vs |
Deposit insurance
Is my money safe at Alliance Bank?
Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #34566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.4% of deposits ($38.1M) 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 13.57%, 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%).
5 locations
Branches
Alliance Bank lists 5 offices in 5 cities. Most locations:
- Cape Girardeau, MO (1)
- Jackson, MO (1)
- New Madrid, MO (1)
- Oran, MO (1)
- Sikeston, MO (1)
HMDA 2025
Mortgage lending
In 2025, Alliance Bank reported 139 home-loan applications under HMDA (LEI 254900N9T42X4VF8F740): 125 originated ($26,055,000 total), 3 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, 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
- Type
- State-chartered bank
- FDIC certificate #
- 34566
- RSSD ID
- 2619714
- Primary regulator
- FDIC
- Holding company
- Alliance Bancshares Inc
- Established
- October 23, 1997
- Headquarters
- 217 N Kingshighway St, Cape Girardeau, MO 63701
- Website
- www.alliancebanking.com
- Employees
- 68
Quick answers
Alliance Bank: common questions
Is Alliance Bank FDIC insured?
Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #34566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Alliance Bank's TellerScore?
84 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 #34566 in the FDIC failed bank list.
How many branches does Alliance Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cape Girardeau
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| A.S.H. Employees Credit UnionCredit union Anna, IL | 85 out of 100, Very strong | $5.6M | 19.8% | 0.43% | vs |
| St. Augustine Credit UnionCredit union Kelso, MO | 83 out of 100, Strong | $1.5M | 14.4% | 0.00% | vs |
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| The Bank of AdvanceBank Advance, MO | 81 out of 100, Strong | $509.9M | 13.0% | 0.75% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |