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
Unfavorable gap of $31.0M · efficiency ratio beats 18% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.93% | 1.23% | 1.54% | Beats 23% | 199 / 258 | |
| Return on Equity | 9.65% | 9.26% | 11.84% | 14.74% | Beats 29% | 182 / 258 | |
| Net Interest Margin | 3.39% | 3.16% | 3.49% | 3.88% | Beats 43% | 147 / 258 | |
| Efficiency Ratio | 73.45% | 51.71% | 60.30% | 69.65% | Beats 18% | 213 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.90% | Beats 40% | 156 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 56% | 114 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 15.59% | 11.41% | 12.98% | 15.12% | Beats 78% | 56 / 258 | |
| Total Risk-Based Capital Ratio | 16.72% | 12.10% | 13.91% | 16.08% | Beats 79% | 53 / 258 | |
| Equity / Assets | 9.24% | 9.09% | 10.24% | 11.72% | Beats 29% | 183 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 67.71% | 73.24% | 86.34% | 95.95% | 16th pctl | 217 / 258 | |
| Loans / Assets | 58.63% | 63.01% | 72.27% | 78.40% | 17th pctl | 215 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |