Alliance Bank, National Association

Headquarters

120 Madison Street, Mony Tower Ii, 18th Floor
Syracuse, NY 13202
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Alliance Bank, National Association is an FDIC insured institution located in Syracuse, NY. It was founded in 1851 and has approximately $1.4 billion in assets.

FDIC Insured Yes
FDIC Certificate # 7237
Date Established 1851
Assets $ 1,403.94 million
Loans $ 922.16 million
Deposits $ 1,097.91 million
Capital $ 165.01 million
 

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

Deposit Rates - June 27, 2022

Your Current Location: Virginia, VA 20146

 

Loan Rates - June 27, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alliance Bank, National Association

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 2022

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
5.207% 5.125%
0.88 points
$2,318 fees
$1,362 Learn More

Note to Alliance Bank, National Association
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Branches

Alliance Bank, National Association 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, National Association Locations



Climate Initiatives

Alliance Bank, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Alliance Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alliance Bank, National Association. 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, National Association U.S. Bank Average
3.19% 3.95%

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 December 31, 2021, Alliance Bank, National Association had $4,804,000 in non-current loans and $725,000 in owned real estate. To cover these potential losses it had $165,010,000 in equity and $8,571,000 in loans loss reserves. That gives it a Texas Ratio of 3.19%.

Return on Equity
Alliance Bank, National Association U.S. Bank Average
5.99% 10.50%

Alliance Bank, National Association has a Return on Equity of 5.99% versus the BestCashCow average of 10.50%. 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, National Association U.S. Bank Average
11.75% 11.55%

Alliance Bank, National Association has a Capitalization of 11.75% versus the BestCashCow average of 11.55. 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, National Association Balance Sheet Analysis

As of December 31, 2012, Alliance Bank, National Association had assets of $1,403,943,000, loans of $922,161,000, and deposits of $1,097,912,000. 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

December 31, 2021
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 922.16 million
Loan loss allowance $ 8.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.73 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 1,097.91 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 1,403.94 million

Summary Income Statement

December 31, 2021
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in New York, Alliance Bank, National Association has a significantly higher percent of Consumer Auto 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 44.42
Multifamily
Mortgages
0.75
Credit Card Loans 0.00
Consumer Auto Loans 21.88
Small Business Loans 7.53
Construction and Development Loans 0.99
Commercial Real Estate 14.87
Commercial and Industrial Loans 10.82
Farm Loans 0.01

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