Alliance Bank

101 West Montgomery Street
Francesville, IN 47946

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 197
Date Established 1930
Assets $0.29 billion
Loans $0.16 billion
Deposits $0.25 billion
Capital $0.03 billion

Alliance Bank is an FDIC insured institution located in Francesville, IN. It was founded in 1930 and has approximately $0.29 billion in assets. Customers can open an account at one of its 7 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 Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Indiana, Alliance Bank has a significantly higher percent of Farm Loans 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 12.37
Multifamily
Mortgages
1.08
Credit Card Loans 0.00
Consumer Auto Loans 0.31
Small Business Loans 0.00
Construction and Development Loans 0.47
Commercial Real Estate 17.90
Commercial and Industrial Loans 13.84
Farm Loans 25.77

Deposit Rates - September 20, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K
0.25% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.40% $100,000 - Learn MoreShow Less
06MCD10K
0.35% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.50% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.65% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.30% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $1,000 $9,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $14,999 Learn MoreShow Less

Loan Rates - September 20, 2018

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

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
1.86% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, Alliance Bank had $720,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $34,833,000 in equity and $3,911,000 in loans loss reserves. That gives it a Texas Ratio of 1.86%.

Return on Equity
Alliance Bank U.S. Bank Average
9.94% 9.35%

Alliance Bank has a Return on Equity of 9.94% versus the BestCashCow average of 9.35%. 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
11.85% 12.01%

Alliance Bank has a Capitalization of 11.85% versus the BestCashCow average of 12.01. 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 March 31, 2018, Alliance Bank had assets of $294,011,000, loans of $158,844,000, and deposits of $249,698,000. 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.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.16 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.26 billion
LIABILITIES
Total deposits $0.25 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.25 billion
      % insured (estimated) 89.17%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.26 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Alliance Bank

Branches and Savings

Is Alliance Bank FDIC insured?

Yes. It is covered under FDIC Certificate #197.

Why does Alliance Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Alliance Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Alliance Bank a commercial bank?

Yes

Where are Alliance Bank locations?

See branch locations nearby.

Is Alliance Bank open on Saturdays?

Is Alliance Bank open on Sundays?

What time does Alliance Bank open?

What time does Alliance Bank close?

Are Alliance Bank ATMs Open 24/7?

Do Alliance Bank ATMs accept cash deposits?

Can Alliance Bank customers use other ATMs?

Do Alliance Bank branches have notaries?

Will Alliance Bank notarize my document?

What address for Alliance Bank should I put for incoming ACH transfers?

Will the Alliance Bank branch print checks?

Do Alliance Bank checks expire?

Does Alliance Bank require US citizenship to open account?

Can Alliance Bank close my account?

Does Alliance Bank Report to credit bureaus?

Does Alliance Bank Use Equifax?

What is Alliance Bank's ACH Routing Number?

What is Alliance Bank's SWIFT code?

Products

Does Alliance Bank offer mortgages?

Compare mortgage rates here.

Does Alliance Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alliance Bank offer personal loans?

Compare personal loan rates here.

Does Alliance Bank offer student loans?

Will Alliance Bank cash a check?

Will Alliance Bank redeem a savings bond?

Does Alliance Bank cash savings bonds?

Will Alliance Bank cash money orders?

Can Alliance Bank issue a money order?

Does Alliance Bank do currency exchange?

Background on The Bank

Who owns Alliance Bank?

How long has Alliance Bank been around?

Can Alliance Bank transfer to other banks?

Does Alliance Bank have quick pay?

Does Alliance Bank accept rolled coins?

Will Alliance Bank accept loose change?

Where is Alliance Bank headquarters?

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