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Alliance Bank
Sulphur Springs, TX · FDIC Certificate #11569 · Chartered 06/1
Total assets
$1.39B
Total deposits
$1.20B
Total equity
$128.35M
Net loans
$804.92M
Branches (offices)
16
Net income (YTD)
$7.88M
Rank: #792 of 4,213 U.S. banks by assets · #69 of 346 in Texas. Assets changed 3.4% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 12.33% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 9.24% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 43.0% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 66.9% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $688.47M | 85.5% | |
| Commercial & industrial | $60.46M | 7.5% | |
| Consumer / individual | $11.56M | 1.4% | |
| Construction & development | $132.51M | 16.5% | |
| Agricultural | $8.25M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.34B | $1.20B | $7.74M | $74.68M |
| Jun 2023 | $1.33B | $1.11B | $5.61M | $89.83M |
| Jun 2024 | $1.37B | $1.19B | $2.68M | $98.37M |
| Jun 2025 | $1.34B | $1.17B | $2.19M | $112.58M |
| Jun 2026 | $1.39B | $1.20B | $7.88M | $128.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.20B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.20B.
Similar-sized banks
Southwestern National Bank ($1.39B) · Independence Bank ($1.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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