Alliance Bank & Trust Company

292 West Main Ave
Gastonia, NC 28054

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57733
Date Established 2004
Assets $0.14 billion
Loans $0.10 billion
Deposits $0.12 billion
Capital $0.01 billion

Alliance Bank & Trust Company is an FDIC insured institution located in Gastonia, NC. It was founded in 2004 and has approximately $0.14 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of Alliance Bank & Trust Company'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 & Trust Company’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in North Carolina, Alliance Bank & Trust Company has a significantly higher percent of Small Business Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.95
Multifamily
Mortgages
2.26
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 33.78
Construction and Development Loans 6.97
Commercial Real Estate 53.04
Commercial and Industrial Loans 12.43
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Alliance Bank & Trust Company, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alliance Bank & Trust Company

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
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $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

Note to Alliance Bank & Trust Company
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Branches

Alliance Bank & Trust Company 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 & Trust Company Locations

Financial Details

Alliance Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alliance Bank & Trust Company. 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 & Trust Company U.S. Bank Average
20.07% 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 & Trust Company had $2,387,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,436,000 in equity and $1,456,000 in loans loss reserves. That gives it a Texas Ratio of 20.07%. 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 & Trust Company U.S. Bank Average
4.78% 8.58

Alliance Bank & Trust Company has a Return on Equity of 4.78% 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 & Trust Company U.S. Bank Average
7.35% 12.11

Alliance Bank & Trust Company has a Capitalization of 7.35% 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 & Trust Company Balance Sheet Analysis

As of June 30, 2017, Alliance Bank & Trust Company had assets of $142,053,000, loans of $100,419,000, and deposits of $116,670,000. 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 & Trust Company

Branches and Savings

Is Alliance Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #57733.

Why does Alliance Bank & Trust Company 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 & Trust Company CD rates not competitive?

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

Is Alliance Bank & Trust Company a commercial bank?

Yes

Where are Alliance Bank & Trust Company locations?

See branch locations nearby.

Is Alliance Bank & Trust Company open on Saturdays?

Is Alliance Bank & Trust Company open on Sundays?

What time does Alliance Bank & Trust Company open?

What time does Alliance Bank & Trust Company close?

Are Alliance Bank & Trust Company ATMs Open 24/7?

Do Alliance Bank & Trust Company ATMs accept cash deposits?

Can Alliance Bank & Trust Company customers use other ATMs?

Do Alliance Bank & Trust Company branches have notaries?

Will Alliance Bank & Trust Company notarize my document?

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

Will the Alliance Bank & Trust Company branch print checks?

Do Alliance Bank & Trust Company checks expire?

Does Alliance Bank & Trust Company require US citizenship to open account?

Can Alliance Bank & Trust Company close my account?

Does Alliance Bank & Trust Company Report to credit bureaus?

Does Alliance Bank & Trust Company Use Equifax?

What is Alliance Bank & Trust Company's ACH Routing Number?

What is Alliance Bank & Trust Company's SWIFT code?

Products

Does Alliance Bank & Trust Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Alliance Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Alliance Bank & Trust Company offer student loans?

Will Alliance Bank & Trust Company cash a check?

Will Alliance Bank & Trust Company redeem a savings bond?

Does Alliance Bank & Trust Company cash savings bonds?

Will Alliance Bank & Trust Company cash money orders?

Can Alliance Bank & Trust Company issue a money order?

Does Alliance Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Alliance Bank & Trust Company?

How long has Alliance Bank & Trust Company been around?

Can Alliance Bank & Trust Company transfer to other banks?

Does Alliance Bank & Trust Company have quick pay?

Does Alliance Bank & Trust Company accept rolled coins?

Will Alliance Bank & Trust Company accept loose change?

Where is Alliance Bank & Trust Company headquarters?

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