Sulphur Springs, TX · Cert 11569 · Alliance Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #73 of 166 inst. · $0.5B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.72% | 0.42% | 0.08% | 0.73% | 0.90% | 1.01% | 0.79% | +71 bps | |
| Return on Equity | 7.76% | 8.97% | 5.41% | 0.98% | 8.35% | 9.71% | 10.86% | 8.49% | +751 bps | |
| Net Interest Margin | 2.75% | 2.86% | 2.74% | 2.98% | 3.05% | 3.29% | 3.25% | 3.53% | +54 bps | |
| Efficiency Ratio | 73.96% | 71.35% | 73.74% | 74.57% | 72.99% | 68.77% | 67.82% | 78.57% | +400 bps | |
| Non-Interest Burden | 1.80% | 1.76% | 1.79% | 1.99% | 1.92% | 1.95% | 1.85% | 2.59% | +59 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 / Loans | 0.63% | 0.90% | 2.61% | 0.82% | 0.88% | 0.77% | 0.75% | 0.55% | -27 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.10% | 0.23% | 2.01% | 0.04% | 0.01% | 0.03% | -0.15% | -216 bps | |
| Allowance / Loans | 0.96% | 1.04% | 1.18% | 1.11% | 1.15% | 1.22% | 1.23% | 1.18% | +7 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.1x | 0.5x | 1.4x | 1.3x | 1.6x | 1.6x | 2.2x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.00% | 9.80% | 9.92% | 10.33% | 10.41% | 10.35% | 10.42% | +50 bps | |
| Total Risk-Based Capital | 15.35% | 15.78% | 16.09% | 16.34% | 16.47% | 16.55% | 16.97% | 16.72% | +38 bps | |
| Equity / Assets | 8.35% | 7.67% | 8.04% | 8.38% | 9.22% | 9.23% | 9.39% | 9.24% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.40% | 69.26% | 65.57% | 66.34% | 68.53% | 66.90% | 66.47% | 67.71% | +137 bps | |
| Liquid Assets / Assets | 4.86% | 5.35% | 10.10% | 8.96% | 7.72% | 10.25% | 12.03% | 12.72% | +376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 317% | 329% | 322% | n/a | n/a | |