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100 Jefferson Street
Sulphur Springs, TX 75482

Alliance Bank is headquartered in Sulphur Springs and is the 82nd largest bank in the state of Texas. It is also the 1,097th largest bank in the nation. It was established in 1927 and as of March of 2014, it had grown to 181 employees at 11 locations. Alliance Bank has a A+ health rating.

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Reviews (2)

I Recently Opened The Freedom Checking In Greenville At The Satellite Office Since It Was Open

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%

Nothing But Problems

We switched to Alliance when we moved to Sulphur Springs last year, our real estate broker recommended it as her mother is one of the managers. Our old bank, Frost Bank, a bank we really liked did not have an office remotely close. We had been with Frost for years when we kicked Bank of America to the curb after 20+.
Alliance's website had a LOT to be desired. Both my husband and I are very internet savvy and I created and manage three websites. Their bill pay is a real hassle as it does not let you know the funds are on hold, so it is impossible to keep an accurate balance. Frost's system was MUCH better.
The last straw was that our auto deposits to both our accounts did not show up on the date it was sent. I called Alliance and they said it had not been transferred yet. So I called PBGC where our checks are sent from. Both online AND when I talked to PBGC it was showing the ETF as completed. The funds suddenly appeared on my account after my conversation with Alliance.
The only positive comment I can say is that the one office person we dealt with most of the time was very nice and helpful. But the telephone reps are something else.
We're Done.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Alliance Bank had $2.57 million in non-current loans and owned real-estate with $61.32 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank a Texas Ratio of 4.19% 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 Alliance Bank decreased dramatically from 7.90% as of March 31, 2013 to 4.19% as of March 31, 2014, resulting in a positive change of 46.91%.This indicates that the balance sheet and financial strength for Alliance Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Alliance Bank has increased its total deposits by $34.43 million, resulting in 6.62% 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 excellent.



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 $619.32 million in assets with $61.32 million in equity, resulting in a capitalization level of 9.90%, which is above average.

Institution Statistics

FDIC Certificate #11569
Year Established1927
Primary RegulatorFDIC
Assets and Liabilities
Assets$619.32 million
Loans$275.77 million
Deposits$554.70 million
Equity Capital$55.64 million
Loan Loss Allowance$5.67 million
Unbacked Noncurrent Loans$248,000
Real Estate Owned$2.32 million
Historic Data - March 2013
Assets$584.34 million
Equity Capital$55.07 million
Loan Loss Allowance$6.24 million
Unbacked Noncurrent Loans$248,000
Real Estate Owned$4.15 million
Profit Margin - Quarterly
Net Interest Margin3.24%
Return on Assets1.21%
Return on Equity13.48%
Interest Income$4.99 million
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Alliance Bank Checking Account Rates

1.26%-$25kFreedom Checking - Qualifying
0.10%--Freedom Checking - Non Qualifying

Alliance Bank has 11 locations. Click to view all Alliance Bank locations.