Allegiance Bank

8727 W. Sam Houston Parkway North
Houston, TX 77040

Notable Rates APY Vs.Others
Savings 0.25% 1.96% →
1-Year CD 0.60% 2.02% →
2-Year CD 0.60% 2.02% →
5-Year CD 0.75% 2.25% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Allegiance Bank is an FDIC insured institution located in Houston, TX. It was founded in 2007 and has approximately $4.9 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 58629
Date Established 2007
Assets $4.90 billion
Loans $3.86 billion
Deposits $3.96 billion
Capital $0.75 billion

For a more detailed analysis of Allegiance Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 2, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $99,999 Learn MoreShow Less
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.55% $1,000 - Learn MoreShow Less

Fixed IRA
0.60% $1,000 - Learn MoreShow Less
Special: 13 Mo FIRA
0.80% $10,000 - Learn MoreShow Less
Special: 15 Mo FIRA
0.90% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - April 2, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Allegiance Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
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Featured - Virginia Home Equity Line Of Credit Rates 2020

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Note to Allegiance Bank
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Financial Details

Allegiance Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Allegiance Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Allegiance Bank U.S. Bank Average
5.62% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Allegiance Bank had $34,615,000 in non-current loans and $9,005,000 in owned real estate. To cover these potential losses it had $746,403,000 in equity and $29,808,000 in loans loss reserves. That gives it a Texas Ratio of 5.62%.

Return on Equity
Allegiance Bank U.S. Bank Average
7.47% 9.72%

Allegiance Bank has a Return on Equity of 7.47% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Allegiance Bank U.S. Bank Average
15.23% 12.89%

Allegiance Bank has a Capitalization of 15.23% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Allegiance Bank Balance Sheet Analysis

As of September 30, 2019, Allegiance Bank had assets of $4,902,178,000, loans of $3,856,196,000, and deposits of $3,959,108,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.30 billion
Interest-bearing balances $0.05 billion
Total securities $0.35 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $3.86 billion
Loan loss allowance $0.03 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.25 billion
All other assets $0.08 billion
     Total Assets $4.16 billion
Total deposits $3.96 billion
      Interest-bearing deposits $2.67 billion
      Deposits held in domestic offices $3.96 billion
      % insured (estimated) 44.49%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.13 billion
Subordinated debt $0.04 billion
All other liabilities $0.03 billion
      Total Liabilities $4.16 billion
      Shareholders’ Equity $0.75 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.17 billion
Total Interest Expense $0.04 billion
Net interest income $0.14 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.01 billion
Total non interest expense $0.09 billion
Pre-tax Net Operating Income $0.05 billion

Bank Loan Profile?

The top three loan types in Allegiance Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, Allegiance Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.04
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 0.00
Construction and Development Loans 14.95
Commercial Real Estate 44.55
Commercial and Industrial Loans 16.56
Farm Loans 0.15

Frequently Asked Questions About Allegiance Bank

Branches and Savings

Is Allegiance Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58629.

Why does Allegiance Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Allegiance Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Allegiance Bank a commercial bank?


Where are Allegiance Bank locations?

See branch locations nearby.

Is Allegiance Bank open on Saturdays?

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Are Allegiance Bank ATMs Open 24/7?

Do Allegiance Bank ATMs accept cash deposits?

Can Allegiance Bank customers use other ATMs?

Do Allegiance Bank branches have notaries?

Will Allegiance Bank notarize my document?

What address for Allegiance Bank should I put for incoming ACH transfers?

Will the Allegiance Bank branch print checks?

Do Allegiance Bank checks expire?

Does Allegiance Bank require US citizenship to open account?

Can Allegiance Bank close my account?

Does Allegiance Bank Report to credit bureaus?

Does Allegiance Bank Use Equifax?

What is Allegiance Bank's ACH Routing Number?

What is Allegiance Bank's SWIFT code?


Does Allegiance Bank offer mortgages?

Compare mortgage rates here.

Does Allegiance Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Allegiance Bank offer personal loans?

Compare personal loan rates here.

Does Allegiance Bank offer student loans?

Will Allegiance Bank cash a check?

Will Allegiance Bank redeem a savings bond?

Does Allegiance Bank cash savings bonds?

Will Allegiance Bank cash money orders?

Can Allegiance Bank issue a money order?

Does Allegiance Bank do currency exchange?

Background on The Bank

Who owns Allegiance Bank?

How long has Allegiance Bank been around?

Can Allegiance Bank transfer to other banks?

Does Allegiance Bank have quick pay?

Does Allegiance Bank accept rolled coins?

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Where is Allegiance Bank headquarters?

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