Alliance Community Bank (FDIC #9631): Bank Stress & Real-Estate Credit Exposure
Alliance Community Bank (FDIC Cert #9631): bank stress 71/100, elevated, STABLE over 7 days; parent AC BCORP INC.
Alliance Community Bank (#9631) lends in 3 counties across 1 state; Alliance Community Bank (#9631) reaches 46 ZIP codes: Illinois 3 counties, 46 ZIPs.
Alliance Community Bank (#9631) largest markets: Sangamon County, IL (60 branches, 30 ZIPs) (#9631), Mason County, IL (11 branches, 11 ZIPs) (#9631), Menard County, IL (24 branches, 8 ZIPs) (#9631).
Alliance Community Bank (#9631) reports $414.5 million in total assets; Alliance Community Bank (#9631) equity $34.8 million (8.4% of Alliance Community Bank (#9631) assets); Alliance Community Bank (#9631) domestic deposits $368.0 million; Alliance Community Bank (#9631) net income $2.5 million; Alliance Community Bank (#9631) return on assets 1.24%; Alliance Community Bank (#9631) return on equity 14.71%; Alliance Community Bank (#9631) net interest income $7.0 million; Alliance Community Bank (#9631) call report June 30, 2026.
Alliance Community Bank (#9631) noncurrent real-estate loans: none reported; Alliance Community Bank (#9631) multifamily -0.06%; Alliance Community Bank (#9631) residential -0.08%; Alliance Community Bank (#9631) net charge-offs on real estate 0.59%; Alliance Community Bank (#9631) residential charge-offs 1.47%.
Alliance Community Bank (#9631) net interest margin 3.66% against an eight-quarter Alliance Community Bank (#9631) average of 3.26% (Alliance Community Bank (#9631) compression -0.40 points); Alliance Community Bank (#9631) non-residential real estate 146.7% of equity; Alliance Community Bank (#9631) rate-exposure score 40/100, Alliance Community Bank (#9631) fixed-rate trap 40/100; Alliance Community Bank (#9631) risk type credit driven; Alliance Community Bank (#9631) rate regime rates elevated, Alliance Community Bank (#9631) snapshot October 19, 2026.
Alliance Community Bank (#9631) stress score moved from 74.5 on June 22, 2026 to 71.5 on October 19, 2026; Alliance Community Bank (#9631) ranged 71.5 to 74.5 over 116 snapshots.
Alliance Community Bank (#9631) alerts: 3 counties; top Alliance Community Bank (#9631) alert scores: Mason City County, IL 25 (low); Petersburg County, IL 25 (low); Springfield County, IL 25 (low).