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Alliance Bank Central Texas
Woodway, TX · FDIC Certificate #15657 · Chartered 03/1
Total assets
$1.32B
Total deposits
$1.06B
Total equity
$150.84M
Net loans
$875.70M
Branches (offices)
7
Net income (YTD)
$6.51M
Rank: #833 of 4,213 U.S. banks by assets · #74 of 346 in Texas. Assets changed 29.0% and deposits 17.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 8.79% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 11.40% |
| Tier 1 leverage ratio | 11.76% |
| Uninsured deposits (share of deposits) | 45.0% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 82.7% |
| Real estate loans (share of loans) | 91.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $804.30M | 91.8% | |
| Commercial & industrial | $71.02M | 8.1% | |
| Consumer / individual | $8.43M | 1.0% | |
| Construction & development | $164.42M | 18.8% | |
| Agricultural | $1.64M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $559.26M | $501.16M | $2.12M | $57.10M |
| Jun 2023 | $834.35M | $651.89M | $2.21M | $104.05M |
| Jun 2024 | $931.74M | $797.80M | $3.39M | $111.20M |
| Jun 2025 | $1.03B | $904.93M | $4.54M | $118.26M |
| Jun 2026 | $1.32B | $1.06B | $6.51M | $150.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.06B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.06B.
Similar-sized banks
Cass Commercial Bank ($1.33B) · Patriot Bank, National Association ($1.32B)
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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