Alliance Bank Central Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alliance Bank Central Texas of Woodway, TX against its peer group of 931 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 | 0.97% | 1.44% | -0.47% | 27th below |
| ROAE | 8.52% | 12.51% | -3.99% | 23rd bottom |
| Net Interest Margin | 3.16% | 3.84% | -0.68% | 20th bottom |
| Efficiency Ratio | 59.11% | 58.87% | +0.24% | 49th below |
| PPNR / Avg Assets | 1.28% | 1.78% | -0.50% | 26th below |
| Yield on Earning Assets | 5.78% | 5.71% | +0.07% | 65th above |
| Cost of Funds | 2.72% | 2.03% | +0.69% | 14th bottom |
| Net Interest Spread | 2.34% | 3.18% | -0.84% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.97% | -0.97% | 98th top |
| NPA / Total Assets | 1.22% | 0.75% | +0.47% | 18th bottom |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 1.10% | 1.25% | -0.15% | 43rd below |
| Texas Ratio | 10.29% | 7.16% | +3.13% | 23rd bottom |
| Provision / NCO | 2500.00% | 812.27% | +1687.73% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.76% | 11.60% | +0.16% | 74th above |
| Equity / Assets | 11.40% | 11.33% | +0.07% | 67th above |
| TCE / Tangible Assets | 11.26% | 10.65% | +0.61% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.60% | 86.35% | -2.75% | 62nd above |
| Core Deposit Ratio | 72.11% | 85.57% | -13.46% | 11th bottom |
| Uninsured Deposit Ratio | 45.03% | 32.69% | +12.34% | 17th bottom |
| Wholesale Funding Ratio | 8.31% | 5.45% | +2.86% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 29.00% | 10.44% | +18.56% | 95th top |
| Loan Growth (Y/Y) | 3.72% | 8.00% | -4.28% | 39th below |
| Deposit Growth (Y/Y) | 17.04% | 7.97% | +9.07% | 88th top |
See Alliance Bank Central Texas's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alliance Bank Central Texas, 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 Central Texas profile, how to read a UBPR, or how this data updates.