TellerScore

Alliance Community Bank (FDIC certificate #9631) is based in Petersburg, Illinois. Its Q2 2026 call report shows $414.5M in total assets and $368.0M in deposits and 6 offices.

Alliance Community Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 167th. Funding & liquidity contributes the most (94/100, 67% loans-to-deposits, 12% uninsured); capital cushion contributes the least (41/100, 9.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.08%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings69/100
Return on assets (annualized): 1.24%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 66.7% · 12.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.66%

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 (69 → 70).

TellerScore
626771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202467
Q4 202467
Q1 202568
Q2 202569
Q3 202571
Q4 202571
Q1 202668
Q2 202670
Tier 1 leverage ratio
5.00%7.04%9.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.25%
Q3 20248.39%
Q4 20248.51%
Q1 20258.47%
Q2 20258.78%
Q3 20258.79%
Q4 20258.97%
Q1 20268.85%
Q2 20269.08%
Noncurrent loans
0.15%0.36%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.57%
Q3 20240.17%
Q4 20240.15%
Q1 20250.25%
Q2 20250.46%
Q3 20250.28%
Q4 20250.26%
Q1 20260.49%
Q2 20260.55%
Return on assets
0.57%0.90%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.57%
Q3 20240.67%
Q4 20240.64%
Q1 20250.89%
Q2 20251.15%
Q3 20251.12%
Q4 20251.17%
Q1 20261.03%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$414.5M9.08%0.55%1.24%66.7%
Q1 202668$410.2M8.85%0.49%1.03%67.4%
Q4 202571$404.9M8.97%0.26%1.17%69.8%
Q3 202571$415.7M8.79%0.28%1.12%68.2%
Q2 202569$410.4M8.78%0.46%1.15%67.5%
Q1 202568$412.0M8.47%0.25%0.89%67.2%
Q4 202467$401.2M8.51%0.15%0.64%68.2%
Q3 202467$412.6M8.39%0.17%0.67%64.5%
Q2 202462$406.3M8.25%0.57%0.57%64.2%

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 ratio9.08%
13th
Total risk-based capital15.26%
69th
Problem loans0.55%
43rd
Net charge-offs0.21%
12th
Return on assets1.24%
49th
Net interest margin3.66%
35th
Efficiency ratio66.6%
37th
Loans to deposits66.7%
75th
Uninsured deposits12.5%
89th
Loan-loss reserves1.01%
27th
Texas ratio3.7%
43rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Devon BankBank Chicago, IL50 out of 100, Below average$418.6M6.3%0.27%vs
Community Savings BankBank Chicago, IL75 out of 100, Strong$410.2M13.5%0.20%vs
First National Bank of BrookfieldBank Brookfield, IL82 out of 100, Strong$419.6M13.0%0.00%vs
The First National Bank of AllendaleBank Allendale, IL69 out of 100, Moderate$421.2M9.8%0.17%vs
Union National Bank and Trust Company of ElginBank Elgin, IL73 out of 100, Strong$421.8M9.9%0.00%vs
First Federal Savings BankBank Ottawa, IL57 out of 100, Moderate$421.9M10.7%1.32%vs

Deposit insurance

Is my money safe at Alliance Community Bank?

Yes. Alliance Community Bank is an FDIC-insured institution (FDIC certificate #9631). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.5% of deposits ($46.0M) 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 9.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.26% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Alliance Community Bank lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alliance Community Bank reported 344 home-loan applications under HMDA (LEI 549300FX3J95NB1UTP88): 295 originated ($42,875,000 total), 27 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, 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 Community Bank
Former names
Athens State Bank
Type
State-chartered bank
FDIC certificate #
9631
RSSD ID
924937
Primary regulator
FDIC
Holding company
Ac Bcorp Inc
Established
May 18, 1910
Headquarters
321 N 6th St, Petersburg, IL 62675
Employees
73

Quick answers

Alliance Community Bank: common questions

Is Alliance Community Bank FDIC insured?

Yes. Alliance Community Bank is an FDIC-insured institution (FDIC certificate #9631). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Alliance Community 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 Community Bank ever failed?

There is no failure record for FDIC certificate #9631 in the FDIC failed bank list.

How many branches does Alliance Community Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Petersburg

InstitutionScoreAssetsCapitalProblem loansCompare
Springfield Firefighters Credit UnionCredit union Springfield, IL100 out of 100, Very strong$3.4M16.6%0.00%vs
Mason City National BankBank Mason City, IL96 out of 100, Very strong$91.4M15.3%0.04%vs
Farmers State Bank of EmdenBank Emden, IL91 out of 100, Very strong$37.8M29.6%0.00%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Community Bank of EastonBank Easton, IL85 out of 100, Very strong$43.0M16.3%0.00%vs
Springfield City Employees Credit UnionCredit union Springfield, IL85 out of 100, Very strong$12.8M17.1%0.33%vs