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Alliance Bank Central Texas

Woodway, TX · Cert 15657 · Abct Holdings Inc.

State charter, non-member · FDIC · 7 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

52

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 Central Texas

Woodway, TX · Cert 15657 · Abct Holdings Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.3BAssets
$885.5MLoans
$1.1BDeposits
$150.8MEquity
Loan mix
91%RE $780.0M9%C&I $73.9M1%Consumer $7.3MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $833.1M21%Noninterest $226.0MQ3 2024Q2 2026

Market Position · Waco, TX · 2026 SOD (annual) · 8.4% share · #3 of 28 inst. · $0.7B of $8.9B

9.0% McLennan
3.0% Bell
11.4% Leon
0.4% Williamson

Executive Summary

  • Earnings: ROA of 1.01%, up 10 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.02% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.76%, down 29 bps from a year ago.
  • Funding: loans stand at 83.60% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-4 bps YoY

Efficiency Ratio (YTD, annualized)

59.57%-478 bps YoY

Tier 1 Leverage Ratio

11.76%-29 bps YoY

NIM

5.91%Q2 ’245.70%Q2 ’255.41%Q2 ’26+11%-1%

Non-interest income vs. expense

1.90%Q2 ’242.00%Q2 ’251.83%Q2 ’26+5%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.75%0.85%0.91%0.93%0.94%1.05%1.01%+10 bps
Return on Equity6.07%6.34%7.29%7.83%8.01%8.06%9.12%8.79%+96 bps
Net Interest Margin2.62%2.63%2.86%2.95%2.98%2.83%2.92%2.91%-4 bps
Efficiency Ratio68.73%68.07%69.22%64.35%63.21%62.43%59.61%59.57%-478 bps
Non-Interest Burden1.75%1.74%1.92%1.83%1.82%1.70%1.67%1.66%-17 bps
Growth
Asset Growth (YoY)10.47%9.62%3.60%10.08%10.26%27.77%32.21%29.00%+1,892 bps
Loan Growth (YoY)9.04%4.17%1.51%4.33%6.41%7.89%5.91%3.72%-60 bps
Deposit Growth (YoY)19.13%7.89%3.11%13.43%10.89%19.10%22.21%17.04%+361 bps
Asset Quality
Nonperforming Loans / Loans2.11%0.03%0.01%0.01%0.00%0.02%0.00%0.02%+1 bps
Net Charge-Offs / Loans0.00%0.02%-0.01%0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.11%1.11%1.09%1.09%1.10%1.11%1.11%1.10%+2 bps
Allowance Coverage of NPLs0.5x41.6x77.9x77.3x9472.0x53.0x955.6x55.6x-21.7x
Capital
Tier 1 Leverage Ratio12.25%12.15%12.22%12.05%12.00%13.41%11.94%11.76%-29 bps
Total Risk-Based Capital14.99%15.29%15.24%15.01%15.30%17.44%17.33%11.76%-324 bps
Equity / Assets12.03%11.62%11.79%11.53%11.60%11.78%11.21%11.40%-13 bps
Liquidity & Funding
Loans / Deposits97.46%95.03%93.96%94.34%93.53%86.09%81.43%83.60%-1,074 bps
Liquid Assets / Assets2.64%4.12%3.03%2.83%4.47%2.70%6.89%4.31%+148 bps
CRE / Total Capitaln/an/an/an/a459%386%375%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 Central Texas

Woodway, TX · Cert 15657 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Abct Holdings Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.3BAssets
$885.5MLoans
$1.1BDeposits
$150.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 14 of 258).
  • Widest gap: net interest margin trails 84% of banks $1B-$10B in assets operating in a single state (rank 216 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.98%

Rank 179 of 258

Net Interest Margin

2.91%

Rank 216 of 258

Efficiency Ratio

59.57%

Rank 125 of 257

Equity / Assets

11.40%

Rank 81 of 258

Non-interest income vs. expense

$2.2M$23.9MINCOMEEXPENSE
Unfavorable gap of $21.7M · efficiency ratio beats 52% of banks $1B-$10B in assets operating in a single state
Bank 59.57%Peer median 60.3%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.98%0.93%1.23%1.54%Beats 31%179 / 258
Return on Equity8.63%9.26%11.84%14.74%Beats 21%205 / 258
Net Interest Margin2.91%3.16%3.49%3.88%Beats 16%216 / 258
Efficiency Ratio59.57%51.71%60.30%69.65%Beats 52%125 / 257
Asset Quality
Nonperforming Loans / Loans0.02%0.19%0.46%0.90%Beats 95%14 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 89%30 / 258
Capital
Tier 1 Capital Ratio11.76%11.41%12.98%15.12%Beats 29%183 / 258
Total Risk-Based Capital Ratio11.76%12.10%13.91%16.08%Beats 21%203 / 258
Equity / Assets11.40%9.09%10.24%11.72%Beats 69%81 / 258
Liquidity & Funding
Loans / Deposits83.60%73.24%86.34%95.95%42nd pctl150 / 258
Loans / Assets66.93%63.01%72.27%78.40%32nd pctl175 / 258
Brokered Deposits / Depositsn/aNot reported for this institution