Alliance Bank (FDIC #197): Bank Stress & Real-Estate Credit Exposure

Alliance Bank (FDIC Cert #197): bank stress 43/100, contained, STABLE over 7 days; parent ALLIANCE BCORP.

Alliance Bank (#197) lends in 4 counties across 1 state; Alliance Bank (#197) reaches 38 ZIP codes: Indiana 4 counties, 38 ZIPs.

Alliance Bank (#197) largest markets: White County, IN (36 branches, 18 ZIPs) (#197), Jasper County, IN (13 branches, 13 ZIPs) (#197), Pulaski County, IN (26 branches, 13 ZIPs) (#197), Benton County, IN (22 branches, 11 ZIPs) (#197).

Alliance Bank (#197) reports $454.8 million in total assets; Alliance Bank (#197) equity $47.8 million (10.5% of Alliance Bank (#197) assets); Alliance Bank (#197) domestic deposits $398.2 million; Alliance Bank (#197) net income $5.2 million; Alliance Bank (#197) return on assets 2.28%; Alliance Bank (#197) return on equity 22.46%; Alliance Bank (#197) net interest income $9.5 million; Alliance Bank (#197) call report June 30, 2026.

Alliance Bank (#197) noncurrent real-estate loans: none reported; Alliance Bank (#197) net charge-offs on real estate 0.01%.

Alliance Bank (#197) net interest margin 4.43% against an eight-quarter Alliance Bank (#197) average of 4.26% (Alliance Bank (#197) compression -0.16 points); Alliance Bank (#197) rate-exposure score 40/100, Alliance Bank (#197) fixed-rate trap 40/100; Alliance Bank (#197) risk type credit driven; Alliance Bank (#197) rate regime rates elevated, Alliance Bank (#197) snapshot October 19, 2026.

Alliance Bank (#197) stress score moved from 39.3 on June 22, 2026 to 43.1 on October 20, 2026; Alliance Bank (#197) ranged 39.3 to 43.1 over 117 snapshots.

Alliance Bank (#197) alerts: 4 counties; top Alliance Bank (#197) alert scores: Monticello County, IN 18 (low); Oxford County, IN 18 (low); Rensselaer County, IN 18 (low); Winamac County, IN 18 (low).