ALLIANCE BANK

SULPHUR SPRINGS, TX | Large | Est. June 16, 1927, midnight | FDIC #11569 | RSSD #176464 | FDIC
Latest Report: 2025-12-31

ALLIANCE BANK is aln large FDIC-insured commercial bank headquartered in SULPHUR SPRINGS, TX, established in June 16, 1927, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 1.14% ROA and 12.31% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 15.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 12.56%. FDIC Certificate #11569.

Assets

$1.4B

Deposits

$1.2B

Loans

$796M

Equity

$127M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 12.31%
Net Interest Margin (NIM) 3.57%
Yield on Assets 5.02%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio 0.56%
Texas Ratio 12.56%
NPA Ratio 1.25%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 15.44%
Tier 1 Capital 15.44%
Total Capital Ratio 16.55%
Leverage Ratio 10.41%
Loan-to-Deposit 66.90%

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