Alliance Bank (Sulphur Springs, TX): Financial Reports & UBPR Data
BankRegReports is independent of Alliance Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Alliance Bank spends more to run itself than most banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, up 3.4% from a year earlier; it is based in Sulphur Springs, Texas. It spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 1.45% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.55% of loans, down from 0.82% a year earlier. Its $214 million non-owner-occupied commercial real estate book is improving, with 1.57% past due or on nonaccrual, down from 2.56% a year earlier.
As of June 30, 2026, Alliance Bank reported a CET1 capital ratio of 15.59%, a return on assets of 0.99%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 5.23%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 Jefferson St W, Sulphur Springs, TX 75482
- County
- Hopkins
- Metro Area
- Sulphur Springs, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 16, 1927
- Offices
- 16 domestic
- Employees (FTE)
- 228
- Domestic deposits
- $1.20B
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- -$241K
- Average total assets
- $1.40B
- Average total loans
- $802.0M
- Average interest-bearing deposits
- $906.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11569
- Fed RSSD
- 176464
- SEC CIK
- 1550285 → filed by ALLIANCE BANCSHARES, INC.
- Website
- www.alliancebank.com →
- Parent Holding Company
- ALLIANCE BANCSHARES, INC. (RSSD 2127068)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Alliance Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Alliance Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Alliance Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Alliance Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.59% | 0.99% | 1.09% | 5.23% | 3.73% |
| Q1 2026 | 15.82% | 1.26% | 1.37% | 10.56% | 3.45% |
| Q4 2025 | 15.44% | 1.12% | 1.40% | 14.61% | 3.51% |
| Q3 2025 | 15.41% | 0.92% | 1.42% | 15.42% | 3.24% |
| Q2 2025 | 15.33% | 0.10% | 1.48% | 16.56% | 3.15% |
| Q1 2025 | 15.02% | 0.51% | 2.61% | 20.58% | 2.89% |
| Q4 2024 | 14.83% | 0.88% | 1.35% | 8.09% | 3.02% |
| Q3 2024 | 14.47% | 0.74% | 0.80% | 5.27% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Alliance Bank (main office) | Sulphur Springs , TX | 75482 | $307.6M |
| Greenville Branch | Greenville , TX | 75402 | $257.8M |
| Rockwall Branch | Rockwall , TX | 75032 | $128.9M |
| Mount Vernon Downtown Branch | Mount Vernon , TX | 75457 | $124.8M |
| Southtown Branch | Sulphur Springs , TX | 75482 | $107.6M |
| Sulphur Springs Express Branch | Sulphur Springs , TX | 75482 | $97.4M |
| Commerce Branch | Commerce , TX | 75428 | $64.9M |
| Rockwall North Branch | Rockwall , TX | 75087 | $34.0M |
| Wolfe City Branch | Wolfe City , TX | 75496 | $32.8M |
| Plano Branch | Plano , TX | 75025 | $19.8M |
| Brookshire's Grocery Store Branch | Mount Vernon , TX | 75457 | $17.0M |
| Lake Cypress Springs Branch | Mount Vernon , TX | 75457 | $10.4M |
| Operations Center Branch | Sulphur Springs , TX | 75482 | $0 |
| Greenville Express Branch | Greenville , TX | 75402 | $0 |
| Processing Center Branch | Sulphur Springs , TX | 75482 | $0 |
| Downtown Drive-In | Sulphur Springs , TX | 75482 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 6, 2019 | M&A | Acquired The First National Bank of Mount Vernon merger for the acquired bank | SEC |
| March 6, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2019 | Structure Change | Acquired The First National Bank of Mount Vernon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 5, 1996 | M&A | Acquired Colonial Bank of Greenville merger for the acquired bank | SEC |
| February 5, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 5, 1996 | Structure Change | Acquired Colonial Bank of Greenville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 1993 | M&A | Acquired The Wolfe City National Bank in Wolfe City failure_government_assistance_provided for the acquired bank | SEC |
| July 30, 1993 | Structure Change | Acquired The Wolfe City National Bank in Wolfe City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 29, 1993 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 13, 1990 | M&A | Acquired American National Bank of Greenville failure_government_assistance_provided for the acquired bank | SEC |
| July 13, 1990 | Structure Change | Acquired American National Bank of Greenville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 12, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Alliance Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 96 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $763K approved, $763K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Alliance Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Alliance Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Alliance Bank
What are Alliance Bank's total assets?
As of the Q2 2026 filing, Alliance Bank reported total assets of $1.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Alliance Bank headquartered?
Alliance Bank is headquartered in Sulphur Springs, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Alliance Bank founded?
Alliance Bank was established in 1927, per the FDIC institution directory.
Is Alliance Bank FDIC-insured?
Yes. Alliance Bank is an FDIC-insured commercial bank (FDIC Certificate #11569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alliance Bank?
Alliance Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Alliance Bank's CET1 capital ratio?
Alliance Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Alliance Bank operate?
Alliance Bank operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Alliance Bank's Texas Ratio?
Alliance Bank's Texas Ratio is 5.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Alliance Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Alliance Bank, freeFree account