Alliance Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Risk-weighted assets edged up by 2.2%, from $901.4M to $921.5M, the largest move among the key lines here. Within Texas, Alliance Bank is 112th of 184 on CET1 ratio, 15.59% as of Q2 2026. Alliance Bank reported 15.59% on CET1 ratio for Q2 2026, 2.10 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.59% |
| Tier 1 risk-based capital ratio | 15.59% |
| Total risk-based capital ratio | 16.72% |
| Tier 1 leverage ratio | 10.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $143.7M |
| Tier 1 capital | $143.7M |
| Total risk-based capital | $154.1M |
| Total equity capital | $128.3M |
| Risk-weighted assets | $921.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 7.97% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | 3.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $81.8M |
| Retained earnings | $78.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.87% | 13.87% | 14.50% | 9.68% | $974.1M |
| Q4 2023 | 13.61% | 13.61% | 14.39% | 9.63% | $995.4M |
| Q1 2024 | 13.61% | 13.61% | 14.53% | 9.67% | $992.5M |
| Q2 2024 | 13.92% | 13.92% | 14.72% | 9.85% | $980.3M |
| Q3 2024 | 14.47% | 14.47% | 15.35% | 9.90% | $953.4M |
| Q4 2024 | 14.83% | 14.83% | 15.78% | 10.00% | $935.9M |
| Q1 2025 | 15.02% | 15.02% | 16.09% | 9.80% | $921.0M |
| Q2 2025 | 15.33% | 15.33% | 16.34% | 9.92% | $897.3M |
| Q3 2025 | 15.41% | 15.41% | 16.47% | 10.33% | $904.4M |
| Q4 2025 | 15.44% | 15.44% | 16.55% | 10.41% | $910.6M |
| Q1 2026 | 15.82% | 15.82% | 16.97% | 10.35% | $901.4M |
| Q2 2026 | 15.59% | 15.59% | 16.72% | 10.42% | $921.5M |
Alliance Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11569) · FFIEC NIC profile (RSSD 176464)