TellerScore

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

Capital cushion86/100
Tier 1 leverage ratio: 13.57%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings77/100
Return on assets (annualized): 1.41%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 90.6% · 11.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.43%

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.

TellerScore
828587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202484
Q1 202585
Q2 202586
Q3 202587
Q4 202583
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%9.64%14.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.34%
Q3 202413.40%
Q4 202413.56%
Q1 202514.18%
Q2 202514.08%
Q3 202514.28%
Q4 202512.84%
Q1 202613.25%
Q2 202613.57%
Noncurrent loans
0.14%0.20%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.25%
Q4 20240.18%
Q1 20250.20%
Q2 20250.14%
Q3 20250.14%
Q4 20250.21%
Q1 20260.21%
Q2 20260.26%
Return on assets
1.29%1.42%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.36%
Q4 20241.39%
Q1 20251.29%
Q2 20251.44%
Q3 20251.50%
Q4 20251.54%
Q1 20261.32%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$391.3M13.57%0.26%1.41%90.6%
Q1 202684$399.9M13.25%0.21%1.32%85.4%
Q4 202583$398.5M12.84%0.21%1.54%87.9%
Q3 202587$388.1M14.28%0.14%1.50%95.0%
Q2 202586$378.6M14.08%0.14%1.44%94.9%
Q1 202585$371.9M14.18%0.20%1.29%93.5%
Q4 202484$376.9M13.56%0.18%1.39%95.3%
Q3 202483$376.2M13.40%0.25%1.36%94.6%
Q2 202482$365.5M13.34%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).

Capital ratio13.57%
79th
Total risk-based capital0.00%
24th
Problem loans0.26%
60th
Net charge-offs0.00%
53rd
Return on assets1.41%
60th
Net interest margin4.29%
70th
Efficiency ratio59.8%
58th
Loans to deposits90.6%
25th
Uninsured deposits11.4%
91st
Loan-loss reserves1.30%
62nd
Texas ratio1.4%
64th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Bloomsdale BankBank Bloomsdale, MO73 out of 100, Strong$390.2M8.9%0.30%vs
Pony Express BankBank Braymer, MO76 out of 100, Strong$399.5M10.2%0.17%vs
Central Bank of Kansas CityBank Kansas City, MO82 out of 100, Strong$410.2M11.9%0.13%vs
Branson BankBank Branson, MO66 out of 100, Moderate$414.1M9.2%0.60%vs
MA BankBank Macon, MO65 out of 100, Moderate$417.3M9.5%0.96%vs
Bank of Franklin CountyBank Washington, MO65 out of 100, Moderate$419.4M9.5%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%).

Check how much of your own balance is covered

5 locations

Branches

Alliance Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

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
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

InstitutionScoreAssetsCapitalProblem loansCompare
A.S.H. Employees Credit UnionCredit union Anna, IL85 out of 100, Very strong$5.6M19.8%0.43%vs
St. Augustine Credit UnionCredit union Kelso, MO83 out of 100, Strong$1.5M14.4%0.00%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Anna State BankBank Anna, IL81 out of 100, Strong$111.6M12.5%0.02%vs