Alliance Bank & Trust Company

292 West Main Ave
Gastonia, NC 28054


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57733
Date Established 2004
Assets $0.14 billion
Loans $0.10 billion
Deposits $0.11 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, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

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

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.00
Credit Card Loans 0.00
Consumer Auto Loans 0.11
Small Business Loans 0.00
Construction and Development Loans 8.25
Commercial Real Estate 51.58
Commercial and Industrial Loans 11.65
Farm Loans 0.00

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

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

We're working to get rates for every bank in the world. Please bare with us until we are able to get rates for this bank.

Back to Alliance Bank & Trust Company

Note to Alliance Bank & Trust Company
To upload and update your bank's rates please register. It is free to register and add rates.


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:

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 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
23.78% 8.87%

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 March 31, 2017, Alliance Bank & Trust Company had $2,838,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,305,000 in equity and $1,630,000 in loans loss reserves. That gives it a Texas Ratio of 23.78%. 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
5.2% 8.39%

Alliance Bank & Trust Company has a Return on Equity of 5.2% versus the BestCashCow average of 8.39%. 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.

Alliance Bank & Trust Company U.S. Bank Average
7.39% 11.94%

Alliance Bank & Trust Company has a Capitalization of 7.39% versus the BestCashCow average of 11.94%. 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 March 31, 2017, Alliance Bank & Trust Company had assets of $139,510,000, loans of $101,764,000, and deposits of $113,332,000. 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.

Customer Reviews for Alliance Bank & Trust Company

There are currently no comments for Alliance Bank & Trust Company. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →