Alliance Bank

Overview / Commentary
100 Jefferson Street
Sulphur Springs, TX 75482

Alliance Bank is headquartered in Sulphur Springs and is the 75th largest bank in the state of Texas. It is also the 863rd largest bank in the nation. It was established in 1927 and as of June of 2020, it had grown to 222 employees at 16 locations. Alliance Bank has an A+ health rating.

Reviews (6)

Advantages of Using A Small Town Bank

My local bank is a small town bank and locally owned. It has a very high rating as far as stability
and assets held in comparison to it's exposure. When I first moved to Texas I wanted to seek out and
find a local bank which was strong and "healthy" to lessen my risk of collapse in case our monetary
system had a major crises or breakdown and Alliance Bank is a wise choice and good fit.

The other main things that I like about it are that since they are local they are more community
oriented and understand the needs of residents and their professions like ranching and farming,
loans for land, machinery, animals, etc.

The bank employees are always very friendly, helpful and professional and have helped me set up
different accounts, provided paperwork for business purposes and have been very consistent in
their professionalism and helpfulness. I think the difference is that they have a more invested
interest in seeing their local patrons succeed.

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

Posted by: |

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

Posted by: |

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.


I have been banking with Alliance bank for about 2 years; I have been giving them the benefit of the doubt. Their mobile banking is absolutely CRAP, if you want a check deposited in a timely manner, FORGET ABOUT IT!! The customer service there is terrible, the hours they are open are not conducive whatsoever. Now if the list i just provided is not all, let me give you one more; they don't have direct deposit slips. Their form of authorization is a blank check that you personally have to write your name and address on. If you work in a medical facility that will not be accepted to have direct deposit, which brings me to my point of check deposits in a timely manner. I put my check in 2 days ago, it was stated that it was accepted, and it still hasn't deposited. I am done. I am switching banks and never going back.

Horrified Go To Something Better

Trying to get a straight answer is nearly impossible. Making a car payment they will send it thru a couple days late. Do not bank with them. If they personally like you like eating lunch or what not they will treat you good. But if you differ from their favorite color. Stay away.

No Confidentiality

Posted by: |

Small town bank here they apparently don't care about banking laws and are begging for a suing. If they can't get ahold of ya, they'll ask around to see who knows you and discuss your banking accounts. Avoid this place!


Health Grade Components

FDIC Certificate #11569
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.21%
Return on Equity - YTD10.61%
Annual Interest Income$17.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.06B$975.0MM
LoansQ2 2020vs Q2 2019$551.3MM$512.2MM
DepositsQ2 2020vs Q2 2019$904.8MM$832.4MM
Equity CapitalQ2 2020vs Q2 2019$121.6MM$105.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$7.9MM$5.9MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.2MM$2.2MM
Real Estate OwnedQ2 2020vs Q2 2019$287.00K$387.00K
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Alliance Bank Checking Account Rates

1.00%*-$25kFreedom Checking
OTHER TIERS: 0.15% $25k+


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