Gaining at home
In Cape Girardeau it ranked 7 of 157 lenders. Its share rose 1.0 points, to 4.0% from 3.0%, in step with its own rise in loans. First State Community Bank leads the market, followed by DAS Acquisition Company.
Applications / Mortgage Analytics / Lenders / Missouri / Alliance Bank
Alliance Bank
Cape Girardeau, MO · State non-member bank · FDIC · $399 million assets · 125 loans in 2025
Alliance Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
125
loans originated, 2025
139
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliance Bank, a Missouri community bank, grew its lending by a quarter in 2025 and gained ground in Cape Girardeau, where it is now the seventh-largest lender.
A rebound after three bad years
It made 125 loans, up 26% from 99. Similar lenders (state non-member banks making between half and twice as many loans) grew by 9%, and the whole market by 10%. That put it ahead of about three in four. The rise follows a slide from 398 loans in 2021 to 99 in 2024.
Plain loans for buyers
Purchases made up 62.4% of its lending and refinances 33.6%. Every loan was conventional, with no jumbo or manufactured-home loans; similar banks made 3.1% of theirs on manufactured homes. Its typical loan, $165,000, was close to peers' $175,000.
Where it lends sets its mix
Low- and moderate-income (LMI) borrowers took 27.9% of its loans, near the middle of similar banks. Its share in LMI neighborhoods was lower, 12.8% against 17.6%. In areas where most residents belong to minority groups it was higher, 11.2% against 5.9%. With 125 loans across 12 counties, a handful of loans can move these shares, and the counties it serves may set much of the pattern.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
125 loans in 2025, against a peak of 398 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alliance Bank took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
62.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 62.4% · Refinance 33.6% · Home improvement 4.0%
Conventional 100.0% · of 125 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
5 states, 3 metros, 12 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 121 | 96.8% |
| Arkansas | 1 | 0.8% |
| Tennessee | 1 | 0.8% |
| Virginia | 1 | 0.8% |
| Wisconsin | 1 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Cape Girardeau | 74 |
| Chattanooga | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N9T42X4VF8F740 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2619714 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334566 | 2009–2017 |
Established 23 October 1997. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Alliance Bank's data.
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