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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Francesville, IN · FDIC certificate #197
ALLIANCE BANK is an FDIC-insured institution based in Francesville, IN (FDIC certificate #197). In its Q3 2026 Call Report it reported total assets of $479M, total deposits of $420M and net loans of $315M. Its primary federal regulator is FDIC.
Plain-language readout
ALLIANCE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $479M in Q3 2026 and were lowest at $455M in Q2 2026.
Total deposits were highest at $420M in Q3 2026 and lowest at $398M in Q2 2026.
Over the whole period total assets rose 4.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $479M | $420M | $315M | 2.37% | 23.73% | 4.43% |
| Q2 2026 | $455M | $398M | $321M | 2.28% | 22.46% | 4.43% |
| Q1 2026 | $459M | $403M | $314M | 2.47% | 24.72% | 4.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.5M | $15.1M | -$9.6M | -63.5% |
| Federal funds sold | $1.5M | $1.6M | -$119K | -7.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $101.0M | $103.0M | -$2.0M | -1.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $320.6M | $314.0M | +$6.6M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.9M | $3.2M | +$664K | +20.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.6M | $2.6M | -$7K | -0.3% |
| All other assets | $19.7M | $19.1M | +$633K | +3.3% |
| Total assets | $454.8M | $458.7M | -$3.8M | -0.8% |
| Liabilities | ||||
| Total deposits | $398.2M | $403.1M | -$4.9M | -1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $3.8M | $3.8M | +$50K | +1.3% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.0M | $4.8M | +$181K | +3.7% |
| Total liabilities | $407.0M | $411.7M | -$4.7M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $800K | $800K | $0K | 0.0% |
| Surplus | $15.3M | $15.3M | $0K | 0.0% |
| Retained earnings | $43.8M | $42.7M | +$1.1M | +2.6% |
| Accumulated other comprehensive income | -$12.1M | -$11.9M | -$245K | -2.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.8M | $47.0M | +$845K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $39K | $40K | -$1K | -2.5% |
| Adjusted nonperforming assets | $39K | $40K | -$1K | -2.5% |
| Tangible equity plus allowance | $50.4M | $49.4M | +$1.0M | +2.1% |
| Texas ratio (gross) | 0.08% | 0.08% | -0.00 pts | See points |
| Texas ratio (adjusted) | 0.08% | 0.08% | -0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.55% | 0.58% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.43% | 12.21% | +0.22 pts | See points |
| Construction and land loans to total capital | 37.53% | 37.11% | +0.42 pts | See points |
| Commercial real estate to total capital | 199.83% | 202.65% | -2.82 pts | See points |
| Dividend payout, year to date | 47.76% | 42.21% | +5.56 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -21.06% | -21.06% | +0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $360.9M | $370.8M | -$9.9M | -2.7% |
| Non-core funding | $41.0M | $36.0M | +$5.0M | +14.0% |
| Loans to core deposits | 90.25% | 86.02% | +4.23 pts | See points |
| Loans to deposits | 81.82% | 79.14% | +2.68 pts | See points |
| Brokered deposits share of deposits | 0.25% | 0.25% | +0.00 pts | See points |
| Pledged securities share of securities | 59.93% | 74.11% | -14.18 pts | See points |
| Loans pledged, share of loans | 17.01% | 14.73% | +2.28 pts | See points |
| Volatile liabilities | $41.0M | $36.0M | +$5.0M | +14.0% |
| Earnings | ||||
| Earnings before provision, year to date | $5.3M | $2.8M | +$2.5M | +91.1% |
| Earnings before provision, single quarter | $2.5M | $2.8M | -$249K | -8.9% |
| Provision for credit losses, year to date | $85K | -$59K | +$144K | +244.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.54% | 6.64% | -0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.50% | 3.32% | +0.18 pts | See points |
| Total interest income to average assets | 5.09% | 5.10% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.08% | 0.09% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.54% | 1.48% | +0.06 pts | See points |
| Cost of time deposits | 3.28% | 3.33% | -0.05 pts | See points |
| Total interest expense to average assets | 1.06% | 1.00% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $479M | $420M | $315M | 2.37% | 23.73% | 4.43% |
| 2026-06-30 | $455M | $398M | $321M | 2.28% | 22.46% | 4.43% |
| 2026-03-31 | $459M | $403M | $314M | 2.47% | 24.72% | 4.44% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $404.2M | 0.19% | 60 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.