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Overview / Commentary
695 Bullion Boulevard
Winchester, KY 40391

Alliance Banking Company is headquartered in Winchester and is the 159th largest bank in the state of Kentucky. It is also the 5,692nd largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 15 employees at 1 location. Alliance Banking Company has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Alliance Banking Company has a relatively low asset base.

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 Banking Company had $2.03 million in non-current loans and owned real-estate with $6.64 million in equity and loan loss allowances on hand to cover it. This gives Alliance Banking Company a Texas Ratio of 30.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Alliance Banking Company experienced no significant changes from 27.28% as of March 31, 2013 to 30.53% as of March 31, 2014, resulting in a negative change of 11.92%. This indicates that the balance sheet and financial strength for Alliance Banking Company has had no significant changes in recent periods.

Deposit Growth


In the past year, Alliance Banking Company has increased its total deposits by $2.1 million, resulting in 4.1% 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 Banking Company 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 Banking Company has $60.9 million in assets with $6.64 million in equity, resulting in a capitalization level of 10.90%, which is above average.

Institution Statistics

FDIC Certificate #57424
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$60.91 million
Loans$47.94 million
Deposits$53.24 million
Equity Capital$6.06 million
Loan Loss Allowance$583,000
Unbacked Noncurrent Loans$263,000
Real Estate Owned$1.76 million
Historic Data - March 2013
Assets$59.18 million
Equity Capital$5.90 million
Loan Loss Allowance$547,000
Unbacked Noncurrent Loans$263,000
Real Estate Owned$1.58 million
Profit Margin - Quarterly
Net Interest Margin3.81%
Return on Assets0.33%
Return on Equity3.39%
Interest Income$637,000

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Alliance Banking Company Locations
Alliance Banking Company695 Bullion BoulevardWinchester, KY 40391