Allegiance Bank Texas

Allegiance Bank Texas is headquartered in Houston and is the 76^th largest bank in the state of Texas. It is also the 1,071^st largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 104 employees at 7 locations. Allegiance Bank Texas has a 5-star health rating.

Allegiance Bank Texas Routing Number: 113025723

Data for Q4 2011

Institution Statistics Allegiance Bank Texas FDIC Certificate # 58629 BankRate Report View Year Established 2007 Employees 104 Primary Regulator FDIC Assets and Liabilities Assets $617.19 million Loans $457.78 million Deposits $563.65 million Equity Capital $52.30 million Loan Loss Allowance $5.54 million Unbacked Noncurrent Loans $70,000 Real Estate Owned $1.80 million Historic Data - December 2010 Assets $429.31 million Equity Capital $44.76 million Loan Loss Allowance $4.03 million Unbacked Noncurrent Loans $1.91 million Real Estate Owned $2.72 million Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.59% Return on Equity 6.36% Interest Income $24.51 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Allegiance Bank Texas had $1.87 million in non-current loans and owned real-estate with $57.84 million in equity and loan loss allowances on hand to cover it. This gives Allegiance Bank Texas a Texas Ratio of 3.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Allegiance Bank Texas decreased significantly from 9.48% as of December 31, 2010 to 3.23% as of December 31, 2011, resulting in a positive change of 65.95%.This indicates that the balance sheet and financial strength for Allegiance Bank Texas has improved significantly in recent periods. Deposit Growth In the past year, Allegiance Bank Texas has increased its total deposits by $179.7 million, resulting in 46.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Allegiance Bank Texas has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Allegiance Bank Texas has $617.19 million in assets with $57.84 million in equity, resulting in a capitalization level of 9.37%, which is average.

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