Alliance Bank Central Texas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.17 percentage points in Q2 2026, from 81.43% to 83.60%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Alliance Bank Central Texas is 272nd of 345 on return on assets, 0.97% as of Q2 2026, below the middle of the field. Alliance Bank Central Texas reported 0.97% on return on assets for Q2 2026, 0.31 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 11.40% |
| Tangible equity to tangible assets | 11.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 1.22% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.29% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 8.52% |
| Net interest margin | 3.16% |
| Efficiency ratio | 59.11% |
| Yield on earning assets | 5.78% |
| Cost of funds | 2.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.60% |
| Core deposits to total deposits | 72.11% |
| Brokered deposits to total deposits | 6.57% |
| Deposits to assets | 80.05% |
| Securities to assets | 22.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.16% | 14.16% | 15.24% | 13.00% | 0.66% |
| Q4 2023 | 14.08% | 14.08% | 15.17% | 12.62% | 0.74% |
| Q1 2024 | 14.00% | 14.00% | 15.10% | 12.31% | 0.70% |
| Q2 2024 | 13.91% | 13.91% | 14.99% | 12.43% | 0.76% |
| Q3 2024 | 13.92% | 13.92% | 14.99% | 12.25% | 0.69% |
| Q4 2024 | 14.22% | 14.22% | 15.29% | 12.15% | 0.83% |
| Q1 2025 | 14.19% | 14.19% | 15.24% | 12.22% | 0.85% |
| Q2 2025 | 13.94% | 13.94% | 15.01% | 12.05% | 0.97% |
| Q3 2025 | 14.21% | 14.21% | 15.30% | 12.00% | 0.97% |
| Q4 2025 | 16.39% | 16.39% | 17.44% | 13.41% | 1.04% |
| Q1 2026 | 16.30% | 16.30% | 17.33% | 11.94% | 1.05% |
| Q2 2026 | — | — | — | 11.76% | 0.97% |
Alliance Bank Central Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank Central Texas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15657) · FFIEC NIC profile (RSSD 601658)