Alliance Bank

Overview / Commentary
100 West Jefferson Street
Sulphur Springs, TX 75482

Alliance Bank is headquartered in SULPHUR SPRINGS and is the 71st largest bank in the state of Texas. It is also the 797th largest bank in the nation. It was established in 1927 and as of December of 2023, it had grown to 239 employees at 17 locations. Alliance Bank has a B+ health rating.

Reviews (8)

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

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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

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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.

Incompetence And Neglect

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I have been Alliance Bank's good customer for 15 years. I liked the staffers at the counter, corrected their mistakes in routine transactions, and tolerated occasional hassle with passwords and capricious online banking.
In January 2021, I lost online access to my account and thus to my money. Staffers and I tried routine procedures, in vain. I remained patient and cooperative for six weeks, to no avail. A noted Dallas lawyer warned the Bank in mid-February to allow me access to my money, but they ignored the warning. I explained to several staffers that Medicare was vitally important to me and that I had missed a payment, but the staffers continued ignoring my pleas for action.

Go To Another Bank!

After almost 18 years with Alliance Bank, I had my FIRST disputed transaction. Explained the unauthorized charge on account, cancelled my debit card, exactly what the lady on the phone told me to do. My dispute was denied. I called and the auditor would not even talk to me. The rep gave me customer service email. If I'd ordered these online purchases I sure would not have went thru the trouble of having to re-link a new debit card to all of my online auto-draft payments. It is only $130, however it is the principle. I work hard for my money and refuse to give it away to theft. I will be looking for a banking institution somewhere else.


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

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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 - YTD0.62%
Return on Equity - YTD9.45%
Annual Interest Income$54.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.36B$1.37B
LoansQ4 2023vs Q4 2022$853.9MM$755MM
DepositsQ4 2023vs Q4 2022$1.21B$1.17B
Equity CapitalQ4 2023vs Q4 2022$94.8MM$83.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$7.7MM$9.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.6MM$1.6MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Alliance Bank Checking Account Rates

0.50%*-$25kFreedom Checking
OTHER TIERS: 0.24% $25k+


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