Alliance Bank Central Texas
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Data as of · sourced from FFIEC call reports. How we update
Alliance Bank Central Texas is an FDIC-insured commercial bank headquartered in Woodway, TX, established in 1939 (FDIC certificate 15657), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.32B, up 29.0% from Q2 2025, the 74th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15657
- Headquarters
- Woodway, TX
- Established
- 1939
- Total assets, Q2 2026
- $1.32B
- Assets vs Q2 2025
- +29.0%
- Tier 1 leverage ratio, Q2 2026
- 11.76%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111911156
- Holding company
- ABCT HOLDINGS, INC.
- Asset rank in state
- 74th of 346 in Texas
Alliance Bank Central Texas is growing quickly. Its balance sheet stood at $1.3 billion at June 30, 2026, up 29.0% from a year earlier; it is based in Woodway, Texas. It grew deposits 17.0% over the year, about triple the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
Deposits are coming in faster than loans: over the year loans rose 3.7% and deposits rose 17.0%. Delinquency has appeared in its $286 million non-owner-occupied commercial real estate book: 2.36% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Alliance Bank Central Texas reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 10.29%. The figures come from its call report filed with the FFIEC.
Alliance Bank Central Texas ranks as the 74th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $1.32B, loans rose 2.4% and deposits fell 0.2%. Non-owner-occupied commercial real estate loans made up 32.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.6%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Woodway office books 56% of its branch deposits. Judged on its Q2 2026 call report, Alliance Bank Central Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 191 Archway Dr, Woodway, TX 76712
- County
- Mclennan
- Metro Area
- Waco, 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
- —
- Call Report form
- FFIEC 051
- Established
- March 16, 1939
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 110
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $9.8M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $1.31B
- Average total loans
- $862.5M
- Average interest-bearing deposits
- $883.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 20, 1939
- FDIC Cert
- 15657
- Fed RSSD
- 601658
- SEC CIK
- 1600244 → filed by ABCT HOLDINGS, INC.
- Parent Holding Company
- ABCT HOLDINGS, INC. (RSSD 3615441)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Alliance Bank Central Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Alliance Bank Central Texas's total assets ran between $859.3M (Q3 2023) and $1.32B (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
$1.32B total assets against $1.03B; $1.17B total liabilities against $907.4M.
$875.7M net loans and leases against $844.4M; $1.06B total deposits against $904.9M.
$296.7M securities against $73.5M; $79.8M cash and balances due against $46.0M.
$17.9M total interest income against $14.8M; $8.1M total interest expense against $7.0M.
$9.7M net interest income against $7.9M.
$552K total noninterest income against $420K; $6.1M total noninterest expense against $5.0M.
$300K provision for credit losses against $400K.
$3.2M net income against $2.4M.
0.97% return on assets against 0.97%; 3.16% net interest margin against 3.35%.
11.76% tier 1 leverage ratio against 12.05%.
Inside the full Alliance Bank Central Texas 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 Central Texas rankings
Its closest position to the top of a national ranking is 613 of 3,640, for Texas Ratio; its furthest is 2,580 of 3,611, for ROA.
Metric pages for Alliance Bank Central Texas: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.05% (Q1 2026) and its net interest margin ran from 2.87% (Q3 2024) to 3.42% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | 0.97% | 0.02% | 10.29% | 3.16% |
| Q1 2026 | 11.94% | 1.05% | 0.00% | 10.57% | 3.11% |
| Q4 2025 | 13.41% | 1.04% | 0.02% | 10.70% | 3.22% |
| Q3 2025 | 12.00% | 0.97% | 0.00% | 12.75% | 3.42% |
| Q2 2025 | 12.05% | 0.97% | 0.01% | 13.19% | 3.35% |
| Q1 2025 | 12.22% | 0.85% | 0.01% | 13.81% | 3.08% |
| Q4 2024 | 12.15% | 0.83% | 0.03% | 14.22% | 3.04% |
| Q3 2024 | 12.25% | 0.69% | 2.11% | 14.13% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 Central Texas (main office) | Woodway , TX | 76712 | $595.3M |
| Temple Branch | Temple , TX | 76502 | $160.9M |
| Bosque Branch | Waco , TX | 76710 | $146.2M |
| Jewett Branch | Jewett , TX | 75846 | $82.7M |
| Georgetown Branch | Georgetown , TX | 78628 | $49.5M |
| Donie Branch | Donie , TX | 75838 | $16.6M |
| Farm Bureau Branch | Waco , TX | 76710 | $7.9M |
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 |
|---|---|---|---|
| April 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 5, 2013, Federal Reserve: Written Agreement: ABCT Holdings, Inc., Waco, Texas
- Period: Most recent institution action August 5, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 107 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 214 applications, 152 loans originated, $43.4M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $36K approved, $36K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Central Texas
What are Alliance Bank Central Texas's total assets?
As of the Q2 2026 filing, Alliance Bank Central Texas reported total assets of $1.32 billion in its FFIEC call report.
Where is Alliance Bank Central Texas headquartered?
It is headquartered in Woodway, TX, United States.
When was Alliance Bank Central Texas founded?
It was established in 1939, per the FDIC institution directory.
Is Alliance Bank Central Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alliance Bank Central Texas?
Alliance Bank Central Texas's primary federal regulator is the FDIC.
How many branches does Alliance Bank Central Texas operate?
It operates 8 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 Central Texas's Texas Ratio?
Its Texas Ratio is 10.29% 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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