Alliance Bank Central Texas: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.76% +2.76 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $153.5M | 153,525 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.31B | 1,305,124 | RCOAA224 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.76 pp | $36.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 113,554 | 109,954 | 110,954 | 88,454 | 88,954 | 89,754 | RCOAP742 |
| Retained earnings | 42,047 | 43,483 | 40,139 | 37,247 | 34,739 | 32,290 | RCOAKW00 |
| Accumulated other comprehensive income | (4,761) | (7,073) | (4,006) | (4,274) | (5,429) | (5,618) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 150,840 | 146,364 | 147,087 | 121,427 | 118,264 | 116,426 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,685 | 4,997 | 1,930 | 2,198 | 3,353 | 3,542 | P859 - P840 |
| Common equity Tier 1 capital | 153,525 | 151,361 | 149,017 | 123,625 | 121,617 | 119,968 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 153,525 | 151,361 | 149,017 | 123,625 | 121,617 | 119,968 | RCOA8274 |
| Tier 2 capital | NA | 9,556 | 9,548 | 9,472 | 9,273 | 8,880 | |
| Allowance includable in Tier 2 capital | NA | 9,556 | 9,548 | 9,472 | 9,273 | 8,880 | |
| Total capital | NA | 160,917 | 158,565 | 133,097 | 130,890 | 128,848 | |
| Total risk-weighted assets | NA | 928,533 | 909,076 | 870,161 | 872,178 | 845,263 | |
| Average total assets for the leverage ratio | 1,305,124 | 1,268,097 | 1,111,310 | 1,030,577 | 1,008,933 | 981,439 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.76% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.30% | 16.30% | 17.33% | 11.94% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.39% | 16.39% | 17.44% | 13.41% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.21% | 14.21% | 15.30% | 12.00% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.94% | 13.94% | 15.01% | 12.05% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.19% | 14.19% | 15.24% | 12.22% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.22% | 14.22% | 15.29% | 12.15% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.92% | 13.92% | 14.99% | 12.25% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.91% | 13.91% | 14.99% | 12.43% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.00% | 14.00% | 15.10% | 12.31% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.08% | 14.08% | 15.17% | 12.62% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.16% | 14.16% | 15.24% | 13.00% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Alliance Bank Central Texas (this bank) | CBLR | NA | NA | NA | 11.76% | |
| Patriot Bank, N.A. | $1.32B | Risk-based | 13.22% | 13.22% | 14.15% | 9.60% |
| Liberty National Bank | $1.32B | Risk-based | 14.38% | 14.38% | 15.47% | 10.31% |
| Cass Commercial Bank | $1.33B | Risk-based | 17.16% | 17.16% | 18.40% | 14.10% |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| First Capital Bank | $1.32B | CBLR | NA | NA | NA | 9.58% |
| Martha's Vineyard Bank | $1.33B | CBLR | NA | NA | NA | 11.75% |
| Security Bank & Trust Company | $1.33B | Risk-based | 13.90% | 13.90% | 14.96% | 9.37% |
| Amalgamated Bank of Chicago | $1.33B | Risk-based | 15.60% | 15.60% | 16.63% | 11.41% |
| Summit Bank | $1.33B | CBLR | NA | NA | NA | 11.34% |
| Piedmont Federal Savings Bank | $1.32B | CBLR | NA | NA | NA | 18.60% |
| Peer 25th percentile | 14.02% | 14.02% | 15.09% | 9.72% | ||
| Peer median | 14.99% | 14.99% | 16.05% | 10.82% | ||
| Peer 75th percentile | 16.77% | 16.77% | 17.96% | 11.67% | ||
| This bank's percentile | NA | NA | NA | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/601658/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.