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Alliance Bank

Sulphur Springs, TX · Cert 11569 · Alliance Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

18

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alliance Bank

Sulphur Springs, TX · Cert 11569 · Alliance Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.4BAssets
$814.6MLoans
$1.2BDeposits
$128.3MEquity
Loan mix
92%RE $673.5M6%C&I $47.6M2%Consumer $12.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $867.7M28%Noninterest $335.4MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #73 of 166 inst. · $0.5B of $732.8B

40.9% Hopkins
23.3% Hunt
5.3% Rockwall
57.0% Franklin

Executive Summary

  • Earnings: ROA of 0.90%, up 65 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.55% of loans (-27 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 10.42%, up 50 bps from a year ago.
  • Funding: loans stand at 67.71% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.90%+65 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+50 bps YoY

Efficiency Ratio (YTD, annualized)

73.16%-101 bps YoY

Tier 1 Leverage Ratio

10.42%+50 bps YoY

NIM

4.15%Q2 ’244.42%Q2 ’254.67%Q2 ’26+14%+17%

Non-interest income vs. expense

2.70%Q2 ’242.79%Q2 ’253.10%Q2 ’26+12%+17%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.49%0.42%0.25%0.41%0.53%1.01%0.90%+65 bps
Return on Equity5.57%6.59%5.41%3.16%4.95%6.27%10.86%9.68%+652 bps
Net Interest Margin2.59%2.67%2.74%2.89%3.00%3.07%3.25%3.39%+50 bps
Efficiency Ratio75.81%74.63%73.74%74.17%73.76%72.44%67.82%73.16%-101 bps
Non-Interest Burden1.73%1.74%1.79%1.90%1.95%1.94%1.85%2.22%+32 bps
Growth
Asset Growth (YoY)1.99%-1.62%0.88%-2.05%-2.60%2.58%-1.31%3.40%+545 bps
Loan Growth (YoY)-0.36%-5.18%-6.97%-8.60%-4.92%-2.57%-1.53%4.62%+1,323 bps
Deposit Growth (YoY)3.22%-2.79%1.27%-1.51%-3.71%0.87%-2.86%2.51%+402 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.90%2.61%0.82%0.88%0.77%0.75%0.55%-27 bps
Net Charge-Offs / Loans0.45%0.37%0.23%1.12%0.75%0.56%0.03%-0.06%-118 bps
Allowance / Loans0.96%1.04%1.18%1.11%1.15%1.22%1.23%1.18%+7 bps
Allowance Coverage of NPLs1.5x1.1x0.5x1.4x1.3x1.6x1.6x2.2x+0.8x
Capital
Tier 1 Leverage Ratio9.90%10.00%9.80%9.92%10.33%10.41%10.35%10.42%+50 bps
Total Risk-Based Capital15.35%15.78%16.09%16.34%16.47%16.55%16.97%16.72%+38 bps
Equity / Assets8.35%7.67%8.04%8.38%9.22%9.23%9.39%9.24%+86 bps
Liquidity & Funding
Loans / Deposits69.40%69.26%65.57%66.34%68.53%66.90%66.47%67.71%+137 bps
Liquid Assets / Assets4.86%5.35%10.10%8.96%7.72%10.25%12.03%12.72%+376 bps
CRE / Total Capitaln/an/an/an/a317%329%322%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Alliance Bank

Sulphur Springs, TX · Cert 11569 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Alliance Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.4BAssets
$814.6MLoans
$1.2BDeposits
$128.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 79% of banks $1B-$10B in assets operating in a single state (rank 53 of 258).
  • Widest gap: efficiency ratio trails 82% of banks $1B-$10B in assets operating in a single state (rank 213 of 257).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.89%

Rank 199 of 258

Net Interest Margin

3.39%

Rank 147 of 258

Efficiency Ratio

73.45%

Rank 213 of 257

Equity / Assets

9.24%

Rank 183 of 258

Non-interest income vs. expense

$12.3M$43.4MINCOMEEXPENSE
Unfavorable gap of $31.0M · efficiency ratio beats 18% of banks $1B-$10B in assets operating in a single state
Bank 73.45%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.93%1.23%1.54%Beats 23%199 / 258
Return on Equity9.65%9.26%11.84%14.74%Beats 29%182 / 258
Net Interest Margin3.39%3.16%3.49%3.88%Beats 43%147 / 258
Efficiency Ratio73.45%51.71%60.30%69.65%Beats 18%213 / 257
Asset Quality
Nonperforming Loans / Loans0.55%0.19%0.46%0.90%Beats 40%156 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 56%114 / 258
Capital
Tier 1 Capital Ratio15.59%11.41%12.98%15.12%Beats 78%56 / 258
Total Risk-Based Capital Ratio16.72%12.10%13.91%16.08%Beats 79%53 / 258
Equity / Assets9.24%9.09%10.24%11.72%Beats 29%183 / 258
Liquidity & Funding
Loans / Deposits67.71%73.24%86.34%95.95%16th pctl217 / 258
Loans / Assets58.63%63.01%72.27%78.40%17th pctl215 / 258
Brokered Deposits / Depositsn/aNot reported for this institution