Alliance Bank

100 Jefferson Street
Sulphur Springs, TX 75482

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11569
Date Established 1927
Assets $0.75 billion
Loans $0.39 billion
Deposits $0.64 billion
Capital $0.07 billion

Alliance Bank is an FDIC insured institution located in Sulphur Springs, TX. It was founded in 1927 and has approximately $0.75 billion in assets. Customers can open an account at one of its 12 branches.

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

Bank Loan Profile?

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

Compared to other banks, Alliance Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.35
Multifamily
Mortgages
0.64
Credit Card Loans 0.00
Consumer Auto Loans 0.85
Small Business Loans 8.02
Construction and Development Loans 14.20
Commercial Real Estate 34.54
Commercial and Industrial Loans 12.23
Farm Loans 3.14

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
3 Mo CD 10K
0.15% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.30% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.65% $1,000 - Learn MoreShow Less
Fixed IRA 0K
0.40% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $2,500 $14,999 Learn MoreShow Less
MM 25K
0.15% $15,000 $74,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alliance 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.990% 3.990% -0.25 ($625) $1,193 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More
Flagstar Bank 4.990% $268.11 Learn More

Note to Alliance Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Alliance Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Alliance Bank Locations

Financial Details

Alliance Bank Ratio Analysis

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

Texas Ratio
Alliance Bank U.S. Bank Average
0.72% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Alliance Bank had $9,000 in non-current loans and $525,000 in owned real estate. To cover these potential losses it had $68,842,000 in equity and $5,128,000 in loans loss reserves. That gives it a Texas Ratio of 0.72%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Alliance Bank U.S. Bank Average
11.96% 8.58

Alliance Bank has a Return on Equity of 11.96% versus the BestCashCow average of 8.58. 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.

Capitalization
Alliance Bank U.S. Bank Average
9.22% 12.11

Alliance Bank has a Capitalization of 9.22% versus the BestCashCow average of 12.11. 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.

Alliance Bank Balance Sheet Analysis

As of June 30, 2017, Alliance Bank had assets of $746,258,000, loans of $386,485,000, and deposits of $637,064,000. 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.

Frequently Asked Questions About Alliance Bank

Branches and Savings

Is Alliance Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11569.

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

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

Why are Alliance Bank CD rates not competitive?

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

Is Alliance Bank a commercial bank?

Yes

Where are Alliance Bank locations?

See branch locations nearby.

Is Alliance Bank open on Saturdays?

Is Alliance Bank open on Sundays?

What time does Alliance Bank open?

What time does Alliance Bank close?

Are Alliance Bank ATMs Open 24/7?

Do Alliance Bank ATMs accept cash deposits?

Can Alliance Bank customers use other ATMs?

Do Alliance Bank branches have notaries?

Will Alliance Bank notarize my document?

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

Will the Alliance Bank branch print checks?

Do Alliance Bank checks expire?

Does Alliance Bank require US citizenship to open account?

Can Alliance Bank close my account?

Does Alliance Bank Report to credit bureaus?

Does Alliance Bank Use Equifax?

What is Alliance Bank's ACH Routing Number?

What is Alliance Bank's SWIFT code?

Products

Does Alliance Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Alliance Bank offer personal loans?

Compare personal loan rates here.

Does Alliance Bank offer student loans?

Will Alliance Bank cash a check?

Will Alliance Bank redeem a savings bond?

Does Alliance Bank cash savings bonds?

Will Alliance Bank cash money orders?

Can Alliance Bank issue a money order?

Does Alliance Bank do currency exchange?

Background on The Bank

Who owns Alliance Bank?

How long has Alliance Bank been around?

Can Alliance Bank transfer to other banks?

Does Alliance Bank have quick pay?

Does Alliance Bank accept rolled coins?

Will Alliance Bank accept loose change?

Where is Alliance Bank headquarters?

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