4 star ratingAverage User Rating:
4 star rating based on 1 review.

Alliance Bank

Alliance Bank Locations
100 Jefferson Street
Sulphur Springs, TX 75482
(877) 903-2265
www.alliancebank.com

FDIC

Alliance Bank is headquartered in Sulphur Springs and is the 85th largest bank in the state of Texas. It is also the 1,175th largest bank in the nation. It was established in 1927 and as of December of 2012, it had grown to 181 employees at 11 locations. Alliance Bank has a 5-star health rating.

Related Posts

2.75% 18-Month CD at Alliance Bank in Northern Virginia - Local Only - 6/8/2009

Alliance Bank is offering a special 2.75% APY 18-month CD. Minimum deposit is $2,500. The special is listed on the bank's home page and in this promotional page as of 6/08/09.This rate had been 3.25% when I posted on it in February. The rate fell to...

3.25% 18-Month CD at Alliance Bank in Virginia - 2/25/2009

Update 4/27/09: The 18-month special CD rate has fallen to 2.75% APY. Please check the bank's website for the latest rates.Alliance Bank is offering a special 3.25% APY 18-month CD. Minimum deposit is $2,500. The special is listed on the bank's home page...

4.00% 6-Month CD & 4.15% 13-Month CD at Alliance Bank in Kentucky - 1/9/2009

Update 1/09/09 2:00pm PST: These CD specials appear to be no longer offered. They have been removed from the Specials Page.Alliance Bank is offering two CD specials with very competitive rates. These include a 4.00% APY 6-month CD and a 4.15% APY...

4.50% 12-Month and 18-Month CD at Alliance Bank in California - 9/25/2008

Update 2/06/09: Alliance Bank has been closed. Please refer to this post for more details.Alliance Bank is offering a CD promotion with a yield of 4.50% APY for terms of 12 and 18 months. The minimum deposit is $25,000, and the deposit must be new funds....

2008




Report an Issue

Alliance Bank Checking Account Rates

ApyMinMaxProduct
1.26%-$25kFreedom Checking

Rates updated: 5/21/2013

Data for Q4 2012


Institution Statistics


Alliance Bank
FDIC Certificate #11569
BankRate ReportView
Year Established1927
Employees181
Primary RegulatorFDIC

Assets and Liabilities

Assets$571.93 million
Loans$279.28 million
Deposits$508.84 million
Equity Capital$54.92 million
Loan Loss Allowance$5.94 million
Unbacked Noncurrent Loans$84,000
Real Estate Owned$4.59 million

Historic Data - December 2011

Assets$545.23 million
Equity Capital$48.62 million
Loan Loss Allowance$4.58 million
Unbacked Noncurrent Loans$4.59 million
Real Estate Owned$3.20 million

Profit Margin - Quarterly

Net Interest Margin3.72%
Return on Assets0.84%
Return on Equity9.09%
Interest Income$21.58 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Alliance Bank had $4.68 million in non-current loans and owned real-estate with $60.86 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank a Texas Ratio of 7.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Alliance Bank decreased significantly from 14.64% as of December 31, 2011 to 7.68% as of December 31, 2012, resulting in a positive change of 47.52%.This indicates that the balance sheet and financial strength for Alliance Bank has improved significantly in recent periods.
Deposit Growth4
In the past year, Alliance Bank has increased its total deposits by $19.9 million, resulting in 4.07% 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 Alliance Bank has shown is above average.
Capitalization4
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. Alliance Bank has $571.93 million in assets with $60.86 million in equity, resulting in a capitalization level of 10.64%, which is above average.
Write Review

I Recently Opened The Freedom Checking In Greenville At The Satellite Office Since It Was Open
4 stars - Anonymous - Tuesday, December 1, 2009 - 5:56 AM

I recently opened the Freedom Checking in Greenville at the satellite office since it was open later the main branch in town closes early like in the old days 3:00pm. CSR explained the account what was needed and such I received everything Card,checks,online in record time(less1week) only thing I did not like was that the pin did not so I just called and asked CSR said I could pick my own just stop in a branch and they will change it. BTW pin came a week after the other things. Best thing I see with this account other than the intrest is free duplicate checks and the the Visa Debit Card cannot be imprinted it has no raised lettering or numbers at all. Bad from the blog is the rate has been falling from over 5% to the present 4.5%

2
 
Nationwide Savings Accounts
Featured Accounts