Alliance Bank & Trust Company
Our records indicate that this bank has been acquired by Commercial Bank.
Headquarters
292 W Main Ave
Gastonia, NC 28052
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2026 Overview
General Bank Information
Alliance Bank & Trust Company is an FDIC insured institution located in Gastonia, NC. It was founded in 2004 and has approximately $0.27 billion in assets.
| FDIC Insured | Yes |
| FDIC Certificate | # 57733 |
| Date Established | 2004 |
| Assets | $ 263.46 million |
| Loans | $ 207.64 million |
| Deposits | $ 246.71 million |
| Capital | $ 21.35 million |
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.
Deposit Rates - September 26, 2026
Your Current Location: New York, NY 10116
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Loan Rates - September 26, 2026
Your Current Location: New York, NY 10116
There are currently no loan rates available for 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:
New York City,New York
Alliance Bank & Trust Company Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
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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 |
|---|---|
| 1.9% | 5.57% |
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, 2025, Alliance Bank & Trust Company had $482,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,350,000 in equity and $4,032,000 in loans loss reserves. That gives it a Texas Ratio of 1.9%.
Return on Equity
| Alliance Bank & Trust Company | U.S. Bank Average |
|---|---|
| 19.24% | 10.69% |
Alliance Bank & Trust Company has a Return on Equity of 19.24% versus the BestCashCow average of 10.69%. 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 |
|---|---|
| 8.1% | 11.75% |
Alliance Bank & Trust Company has a Capitalization of 8.1% versus the BestCashCow average of 11.75. 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, 2024, Alliance Bank & Trust Company had assets of $269,035,000, loans of $207,643,000, and deposits of $246,707,000. 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, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 44.64 million |
| Interest-bearing balances | $ 43.07 million |
| Total securities | $ 7.99 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 207.64 million |
| Loan loss allowance | $ 4.03 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 3.76 million |
| Total Assets | $ 247.69 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 246.71 million |
| Interest-bearing deposits | $ 169.34 million |
| Deposits held in domestic offices | $ 246.71 million |
| % insured (estimated) | 51.60% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.42 million |
| Total Liabilities | $ 247.69 million |
| Shareholders’ Equity | $ 15.77 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 8.48 million |
| Total Interest Expense | $ 2.21 million |
| Net interest income | $ 6.27 million |
| Provision for loan and lease losses | $ 1.39 million |
| Total non interest income | $ 0.34 million |
| Total non interest expense | $ 3.24 million |
| Pre-tax Net Operating Income | $ 1.22 million |
Bank Loan Profile?
The top three loan types in Alliance Bank & Trust Company’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial 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 | 5.18 | ✓ | ||
| Multifamily Mortgages |
6.27 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.01 | ✓ | ||
| Small Business Loans | 24.72 | ✓ | ||
| Construction and Development Loans | 3.24 | ✓ | ||
| Commercial Real Estate | 51.19 | ✓ | ||
| Commercial and Industrial Loans | 11.99 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
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