Alliance Bank (FDIC #10973): Bank Stress & Real-Estate Credit Exposure
Alliance Bank (FDIC Cert #10973): bank stress 70/100, elevated, STABLE over 7 days; parent ALLIANCE FINL SERVICES INC.
Alliance Bank (#10973) lends in 5 counties across 1 state; Alliance Bank (#10973) reaches 72 ZIP codes: Minnesota 5 counties, 72 ZIPs.
Alliance Bank (#10973) largest markets: Ramsey County, MN (27 branches, 27 ZIPs) (#10973), Goodhue County, MN (17 branches, 17 ZIPs) (#10973), Wabasha County, MN (13 branches, 13 ZIPs) (#10973), Brown County, MN (22 branches, 11 ZIPs) (#10973), Watonwan County, MN (10 branches, 10 ZIPs) (#10973).
Alliance Bank (#10973) reports $755.9 million in total assets; Alliance Bank (#10973) equity $76.7 million (10.2% of Alliance Bank (#10973) assets); Alliance Bank (#10973) domestic deposits $657.9 million; Alliance Bank (#10973) net income $3.8 million; Alliance Bank (#10973) return on assets 1.00%; Alliance Bank (#10973) return on equity 9.73%; Alliance Bank (#10973) net interest income $13.8 million; Alliance Bank (#10973) call report June 30, 2026.
Alliance Bank (#10973) noncurrent real-estate loans: none reported; Alliance Bank (#10973) net charge-offs on real estate 0.01%.
Alliance Bank (#10973) net interest margin 3.74% against an eight-quarter Alliance Bank (#10973) average of 3.30% (Alliance Bank (#10973) compression -0.44 points); Alliance Bank (#10973) rate-exposure score 40/100, Alliance Bank (#10973) fixed-rate trap 40/100; Alliance Bank (#10973) risk type credit driven; Alliance Bank (#10973) rate regime rates elevated, Alliance Bank (#10973) snapshot October 19, 2026.
Alliance Bank (#10973) stress score moved from 65.6 on June 22, 2026 to 69.9 on October 20, 2026; Alliance Bank (#10973) ranged 65.6 to 69.9 over 117 snapshots.
Alliance Bank (#10973) alerts: 5 counties; top Alliance Bank (#10973) alert scores: Lake City County, MN 24 (low); Madelia County, MN 24 (low); New Ulm County, MN 24 (low); Red Wing County, MN 24 (low); Saint Paul County, MN 24 (low).