| Metric | Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +2.5% | +5.1% | -2.5 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.4 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 12.3% | 12.2% | +0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.39B | $1.20B | $804.9M | $128.3M | $7.9M | 1.14% | 3.68% | 0.45% |
| Q1 2026 | $1.37B | $1.18B | $777.2M | $128.7M | $4.4M | 1.29% | 3.55% | 0.92% |
| Q4 2025 | $1.37B | $1.19B | $786.2M | $126.8M | $9.2M | 0.68% | 3.31% | 1.25% |
| Q3 2025 | $1.34B | $1.16B | $783.4M | $123.3M | $5.3M | 0.52% | 3.23% | 1.30% |
| Q2 2025 | $1.34B | $1.17B | $769.9M | $112.6M | $2.2M | 0.32% | 3.19% | 1.26% |
| Q1 2025 | $1.39B | $1.22B | $789.7M | $111.6M | $1.8M | 0.54% | 3.06% | 1.51% |
| Q4 2024 | $1.34B | $1.18B | $808.5M | $102.7M | $8.4M | 0.61% | 2.92% | 0.55% |
| Q3 2024 | $1.37B | $1.20B | $825.6M | $114.7M | $5.3M | 0.52% | 2.84% | 0.40% |
Loan mix (Q2 2026): real estate $688.5M · commercial $60.5M · consumer $11.6M · securities $308.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 59.0% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
16 branches in 5 counties across 1 state (+0 vs 2024) · $1.17B branch deposits. Biggest market: Hopkins, TX, ranked 1st with 41.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hopkins, TX | 6 | $489.7M | 40.98% | 1st |
| Hunt, TX | 4 | $351.2M | 22.46% | 1st |
| Franklin, TX | 3 | $173.6M | 74.63% | 1st |
| 2 more counties with Pro → | ||||
Texas: 114th with 0.07% · Dallas-Fort Worth-Arlington metro: 80th, 0.08% ·
Branch count: 2022 16 · 2023 16 · 2024 16 · 2025 16