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. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 - July 2, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - July 2, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
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PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
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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:
Fairfield,Connecticut


Alliance Bank, National Association Locations


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% 6.51%

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, 2019, 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% 9.41%

Alliance Bank, National Association has a Return on Equity of 5.99% versus the BestCashCow average of 9.41%. 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% 12.82%

Alliance Bank, National Association has a Capitalization of 11.75% versus the BestCashCow average of 12.82. 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, 2019
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, 2019
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

Frequently Asked Questions About Alliance Bank, National Association

Branches and Savings

Is Alliance Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #7237.

Why does Alliance Bank, National Association 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, National Association CD rates not competitive?

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

Is Alliance Bank, National Association a commercial bank?

Yes

Where are Alliance Bank, National Association locations?

See branch locations nearby.

Is Alliance Bank, National Association open on Saturdays?

Is Alliance Bank, National Association open on Sundays?

What time does Alliance Bank, National Association open?

What time does Alliance Bank, National Association close?

Are Alliance Bank, National Association ATMs Open 24/7?

Do Alliance Bank, National Association ATMs accept cash deposits?

Can Alliance Bank, National Association customers use other ATMs?

Do Alliance Bank, National Association branches have notaries?

Will Alliance Bank, National Association notarize my document?

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

Will the Alliance Bank, National Association branch print checks?

Do Alliance Bank, National Association checks expire?

Does Alliance Bank, National Association require US citizenship to open account?

Can Alliance Bank, National Association close my account?

Does Alliance Bank, National Association Report to credit bureaus?

Does Alliance Bank, National Association Use Equifax?

What is Alliance Bank, National Association's ACH Routing Number?

What is Alliance Bank, National Association's SWIFT code?

Products

Does Alliance Bank, National Association offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Alliance Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Alliance Bank, National Association offer student loans?

Will Alliance Bank, National Association cash a check?

Will Alliance Bank, National Association redeem a savings bond?

Does Alliance Bank, National Association cash savings bonds?

Will Alliance Bank, National Association cash money orders?

Can Alliance Bank, National Association issue a money order?

Does Alliance Bank, National Association do currency exchange?

Background on The Bank

Who owns Alliance Bank, National Association?

How long has Alliance Bank, National Association been around?

Can Alliance Bank, National Association transfer to other banks?

Does Alliance Bank, National Association have quick pay?

Does Alliance Bank, National Association accept rolled coins?

Will Alliance Bank, National Association accept loose change?

Where is Alliance Bank, National Association headquarters?

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