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
Unfavorable gap of $21.7M · efficiency ratio beats 52% 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 | 0.98% | 0.93% | 1.23% | 1.54% | Beats 31% | 179 / 258 | |
| Return on Equity | 8.63% | 9.26% | 11.84% | 14.74% | Beats 21% | 205 / 258 | |
| Net Interest Margin | 2.91% | 3.16% | 3.49% | 3.88% | Beats 16% | 216 / 258 | |
| Efficiency Ratio | 59.57% | 51.71% | 60.30% | 69.65% | Beats 52% | 125 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.19% | 0.46% | 0.90% | Beats 95% | 14 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 89% | 30 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.41% | 12.98% | 15.12% | Beats 29% | 183 / 258 | |
| Total Risk-Based Capital Ratio | 11.76% | 12.10% | 13.91% | 16.08% | Beats 21% | 203 / 258 | |
| Equity / Assets | 11.40% | 9.09% | 10.24% | 11.72% | Beats 69% | 81 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 83.60% | 73.24% | 86.34% | 95.95% | 42nd pctl | 150 / 258 | |
| Loans / Assets | 66.93% | 63.01% | 72.27% | 78.40% | 32nd pctl | 175 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |