Alliance Bank Central Texas

4721 Bosque Blvd
Waco, TX 76710

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15657
Date Established 1939
Assets $0.28 billion
Loans $0.19 billion
Deposits $0.24 billion
Capital $0.02 billion

Alliance Bank Central Texas is an FDIC insured institution located in Waco, TX. It was founded in 1939 and has approximately $0.28 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Alliance Bank Central Texas'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 Central Texas’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Texas, Alliance Bank Central Texas has a significantly higher percent of 1-4 Family Residential Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 42.54
Multifamily
Mortgages
3.36
Credit Card Loans 0.00
Consumer Auto Loans 1.29
Small Business Loans 0.00
Construction and Development Loans 15.34
Commercial Real Estate 20.44
Commercial and Industrial Loans 14.59
Farm Loans 1.64

Deposit Rates - July 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for Alliance Bank Central Texas, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - July 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alliance Bank Central Texas

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
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Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.391% 4.375% 0.00 $475 $1,249 Learn More
Federated Mortgage Corp
NMLS ID: 101475
4.405% 4.375% 0.00 $890 $1,249 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Alliance Bank Central Texas
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Branches

Alliance Bank Central Texas 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 Central Texas Locations

Financial Details

Alliance Bank Central Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alliance Bank Central Texas. 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 Central Texas U.S. Bank Average
8.35% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2018, Alliance Bank Central Texas had $359,000 in non-current loans and $1,654,000 in owned real estate. To cover these potential losses it had $22,048,000 in equity and $2,056,000 in loans loss reserves. That gives it a Texas Ratio of 8.35%.

Return on Equity
Alliance Bank Central Texas U.S. Bank Average
7.31% 9.35%

Alliance Bank Central Texas has a Return on Equity of 7.31% versus the BestCashCow average of 9.35%. 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 Central Texas U.S. Bank Average
8% 12.01%

Alliance Bank Central Texas has a Capitalization of 8% versus the BestCashCow average of 12.01. 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 Central Texas Balance Sheet Analysis

As of March 31, 2018, Alliance Bank Central Texas had assets of $275,752,000, loans of $193,822,000, and deposits of $241,360,000. 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

ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.19 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.25 billion
LIABILITIES
Total deposits $0.24 billion
      Interest-bearing deposits $0.20 billion
      Deposits held in domestic offices $0.24 billion
      % insured (estimated) 57.70%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.25 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Alliance Bank Central Texas

Branches and Savings

Is Alliance Bank Central Texas FDIC insured?

Yes. It is covered under FDIC Certificate #15657.

Why does Alliance Bank Central Texas 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 Central Texas CD rates not competitive?

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

Is Alliance Bank Central Texas a commercial bank?

Yes

Where are Alliance Bank Central Texas locations?

See branch locations nearby.

Is Alliance Bank Central Texas open on Saturdays?

Is Alliance Bank Central Texas open on Sundays?

What time does Alliance Bank Central Texas open?

What time does Alliance Bank Central Texas close?

Are Alliance Bank Central Texas ATMs Open 24/7?

Do Alliance Bank Central Texas ATMs accept cash deposits?

Can Alliance Bank Central Texas customers use other ATMs?

Do Alliance Bank Central Texas branches have notaries?

Will Alliance Bank Central Texas notarize my document?

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

Will the Alliance Bank Central Texas branch print checks?

Do Alliance Bank Central Texas checks expire?

Does Alliance Bank Central Texas require US citizenship to open account?

Can Alliance Bank Central Texas close my account?

Does Alliance Bank Central Texas Report to credit bureaus?

Does Alliance Bank Central Texas Use Equifax?

What is Alliance Bank Central Texas's ACH Routing Number?

What is Alliance Bank Central Texas's SWIFT code?

Products

Does Alliance Bank Central Texas offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Alliance Bank Central Texas offer personal loans?

Compare personal loan rates here.

Does Alliance Bank Central Texas offer student loans?

Will Alliance Bank Central Texas cash a check?

Will Alliance Bank Central Texas redeem a savings bond?

Does Alliance Bank Central Texas cash savings bonds?

Will Alliance Bank Central Texas cash money orders?

Can Alliance Bank Central Texas issue a money order?

Does Alliance Bank Central Texas do currency exchange?

Background on The Bank

Who owns Alliance Bank Central Texas?

How long has Alliance Bank Central Texas been around?

Can Alliance Bank Central Texas transfer to other banks?

Does Alliance Bank Central Texas have quick pay?

Does Alliance Bank Central Texas accept rolled coins?

Will Alliance Bank Central Texas accept loose change?

Where is Alliance Bank Central Texas headquarters?

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