Side-by-side · Q2 2026 data
Alliance Bank vs The First National Bank of Monterey
Metric by metric
| Measure | Alliance Bank | The First National Bank of Monterey |
|---|---|---|
| TellerScore | 88 (stronger) | 81 |
| Capital cushion | 74 | 81 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 69 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 92nd | 80th |
| Total assets | $454.8M | $430.5M |
| Deposits / shares | $398.2M | $379.8M |
| Capital ratio | 12.43% | 13.13% (stronger) |
| Problem loans | 0.01% (stronger) | 0.37% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 2.28% (stronger) | 1.10% |
| Loans ÷ deposits | 80.5% | 64.8% (stronger) |
| Uninsured deposits | 24.4% (stronger) | 25.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
Alliance Bank has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Alliance Bank leads on 4 and The First National Bank of Monterey on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winamac, IN