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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