Alliance Bank (Sulphur Springs, TX)
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Data as of · sourced from FFIEC call reports. How we update
Alliance Bank is an FDIC-insured commercial bank headquartered in Sulphur Springs, TX, established in 1927 (FDIC certificate 11569), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.39B, up 3.4% from Q2 2025, the 69th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11569
- Headquarters
- Sulphur Springs, TX
- Established
- 1927
- Total assets, Q2 2026
- $1.39B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 15.59%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 111901975
- Latest call report
- Q2 2026, FFIEC 051 · Alliance Bank call report
- Holding company
- ALLIANCE BANCSHARES, INC.
- Asset rank in state
- 69th of 346 in Texas
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 0.55% and a Texas ratio of 5.23%. The figures come from its call report filed with the FFIEC.
Alliance Bank ranks as the 69th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $1.39B, loans rose 3.5% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.3% of total loans, ahead of 1-4 family residential loans at 22.2%. Its 16 offices in the FDIC Summary of Deposits are in 7 cities in TX; its Sulphur Springs 6 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Alliance Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 17 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Alliance Bank's total assets ran between $1.34B (Q3 2025) and $1.39B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.39B total assets against $1.34B; $1.26B total liabilities against $1.23B.
$804.9M net loans and leases against $769.9M; $1.20B total deposits against $1.17B.
$308.2M securities against $351.7M; $201.1M cash and balances due against $142.0M.
$16.8M total interest income against $15.7M; $4.7M total interest expense against $5.4M.
$12.2M net interest income against $10.3M.
$2.5M total noninterest income against $3.1M; $11.5M total noninterest expense against $10.1M.
-$352K provision for credit losses against $3.1M.
$3.5M net income against $348K.
0.99% return on assets against 0.10%; 3.73% net interest margin against 3.15%.
15.59% CET1 capital ratio against 15.33%; 10.42% tier 1 leverage ratio against 9.92%.
Inside the full Alliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 784 of 4,196, for total assets; its furthest is 3,189 of 3,606, for efficiency ratio.
Metric pages for Alliance Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.10% (Q2 2025) to 1.26% (Q1 2026) and its net interest margin ran from 2.89% (Q1 2025) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.59% | 0.99% | 0.55% | 5.23% | 3.73% |
| Q1 2026 | 15.82% | 1.26% | 0.75% | 10.56% | 3.45% |
| Q4 2025 | 15.44% | 1.12% | 0.77% | 14.61% | 3.51% |
| Q3 2025 | 15.41% | 0.92% | 0.88% | 15.42% | 3.24% |
| Q2 2025 | 15.33% | 0.10% | 0.82% | 16.56% | 3.15% |
| Q1 2025 | 15.02% | 0.51% | 2.61% | 20.58% | 2.89% |
| Q4 2024 | 14.83% | 0.88% | 0.90% | 8.09% | 3.02% |
| Q3 2024 | 14.47% | 0.74% | 0.63% | 5.27% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 96 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Alliance Bank headquartered?
It is headquartered in Sulphur Springs, TX, United States.
When was Alliance Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Alliance Bank FDIC-insured?
Yes. It 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.
What is Alliance Bank's CET1 capital ratio?
It 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?
It operates 17 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?
Its Texas Ratio is 5.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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