Alliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alliance Bank of Sulphur Springs, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.34% | -0.35% | 27th below |
| ROAE | 10.81% | 12.40% | -1.59% | 37th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.73% | 3.83% | -0.10% | 52nd above |
| Efficiency Ratio | 78.41% | 57.84% | +20.57% | 7th bottom |
| PPNR / Avg Assets | 0.89% | — | — | 10th bottom |
| Yield on Earning Assets | 5.16% | 5.71% | -0.55% | 27th below |
| Cost of Funds | 1.45% | 2.02% | -0.57% | 82nd top |
| Net Interest Spread | 3.12% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.09% | 1.00% | +0.09% | 30th below |
| NPA / Total Assets | 0.77% | — | — | 34th below |
| NCO / Avg Loans | -0.15% | 0.43% | -0.58% | 99th top |
| ACL / Total Loans | 1.18% | — | — | 55th above |
| ACL / NPLs (Coverage) | 108.22% | — | — | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.23% | 5.47% | -0.24% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.59% | 14.99% | +0.60% | 75th top |
| Tier 1 Ratio | 15.59% | 15.02% | +0.57% | 74th above |
| Total Capital Ratio | 16.72% | — | — | 75th top |
| Leverage Ratio | 10.42% | 11.11% | -0.69% | 48th below |
| Equity / Assets | 9.24% | 11.02% | -1.78% | 26th below |
| TCE / Tangible Assets | 7.97% | — | — | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.71% | 86.99% | -19.28% | 88th top |
| Core Deposit Ratio | 95.63% | 85.57% | +10.06% | 88th top |
| Uninsured Deposit Ratio | 43.02% | 33.19% | +9.83% | 20th bottom |
| Wholesale Funding Ratio | 3.57% | — | — | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.40% | — | — | 35th below |
| Loan Growth (Y/Y) | 4.62% | — | — | 43rd below |
| Deposit Growth (Y/Y) | 2.51% | — | — | 33rd below |
See Alliance Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alliance Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Alliance Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Alliance Bank peer analysis.