Alliance Bank

105 East Lyon Avenue
Lake City, MN 55041

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10973
Date Established 1867
Assets $0.59 billion
Loans $0.48 billion
Deposits $0.48 billion
Capital $0.07 billion

Alliance Bank is an FDIC insured institution located in Lake City, MN. It was founded in 1867 and has approximately $0.59 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of Alliance Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Alliance Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Minnesota, Alliance Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.61
Multifamily
Mortgages
4.97
Credit Card Loans 0.00
Consumer Auto Loans 0.98
Small Business Loans 8.54
Construction and Development Loans 8.21
Commercial Real Estate 38.51
Commercial and Industrial Loans 18.34
Farm Loans 9.10

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $500 - Learn MoreShow Less
6 Mo CD 10K
0.25% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.45% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
0.60% $2,500 - Learn MoreShow Less
Special: 12 Mo FIRA
0.60% $2,500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $1,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.15% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.20% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $799 Learn MoreShow Less
Int Ckg 2.5K
0.07% $2,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alliance Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.750% 3.750% -0.25 ($162) $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Note to Alliance Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Alliance Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Alliance Bank Locations

Financial Details

Alliance Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alliance Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Alliance Bank U.S. Bank Average
14.63% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Alliance Bank had $4,132,000 in non-current loans and $6,529,000 in owned real estate. To cover these potential losses it had $65,752,000 in equity and $7,118,000 in loans loss reserves. That gives it a Texas Ratio of 14.63%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Alliance Bank U.S. Bank Average
10.13% 8.58

Alliance Bank has a Return on Equity of 10.13% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Alliance Bank U.S. Bank Average
11.18% 12.11

Alliance Bank has a Capitalization of 11.18% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Alliance Bank Balance Sheet Analysis

As of June 30, 2017, Alliance Bank had assets of $588,036,000, loans of $479,717,000, and deposits of $482,416,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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