Alliance Banking Company

695 Bullion Boulevard
Winchester, KY 40391

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57424
Date Established 2003
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

Alliance Banking Company is an FDIC insured institution located in Winchester, KY. It was founded in 2003 and has approximately $0.05 billion in assets.

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

Compared to other banks in Kentucky, Alliance Banking Company has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages 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 64.23
Multifamily
Mortgages
6.65
Credit Card Loans 0.00
Consumer Auto Loans 1.23
Small Business Loans 14.70
Construction and Development Loans 4.15
Commercial Real Estate 14.70
Commercial and Industrial Loans 5.45
Farm Loans 0.08

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alliance Banking 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
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $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 Banking Company
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Branches

Alliance Banking 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 Banking Company Locations

Financial Details

Alliance Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alliance Banking 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 Banking Company U.S. Bank Average
27.89% 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 Banking Company had $555,000 in non-current loans and $1,127,000 in owned real estate. To cover these potential losses it had $5,517,000 in equity and $513,000 in loans loss reserves. That gives it a Texas Ratio of 27.89%. 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 Banking Company U.S. Bank Average
-17.44% 8.58

Alliance Banking Company has a Return on Equity of -17.44% 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 Banking Company U.S. Bank Average
9.52% 12.11

Alliance Banking Company has a Capitalization of 9.52% 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 Banking Company Balance Sheet Analysis

As of March 31, 2015, Alliance Banking Company had assets of $50,137,000, loans of $41,645,000, and deposits of $49,342,000. 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 Banking Company

Branches and Savings

Is Alliance Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #57424.

Why does Alliance Banking 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 Banking Company CD rates not competitive?

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

Is Alliance Banking Company a commercial bank?

Yes

Where are Alliance Banking Company locations?

See branch locations nearby.

Is Alliance Banking Company open on Saturdays?

Is Alliance Banking Company open on Sundays?

What time does Alliance Banking Company open?

What time does Alliance Banking Company close?

Are Alliance Banking Company ATMs Open 24/7?

Do Alliance Banking Company ATMs accept cash deposits?

Can Alliance Banking Company customers use other ATMs?

Do Alliance Banking Company branches have notaries?

Will Alliance Banking Company notarize my document?

What address for Alliance Banking Company should I put for incoming ACH transfers?

Will the Alliance Banking Company branch print checks?

Do Alliance Banking Company checks expire?

Does Alliance Banking Company require US citizenship to open account?

Can Alliance Banking Company close my account?

Does Alliance Banking Company Report to credit bureaus?

Does Alliance Banking Company Use Equifax?

What is Alliance Banking Company's ACH Routing Number?

What is Alliance Banking Company's SWIFT code?

Products

Does Alliance Banking Company offer mortgages?

Compare mortgage rates here.

Does Alliance Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alliance Banking Company offer personal loans?

Compare personal loan rates here.

Does Alliance Banking Company offer student loans?

Will Alliance Banking Company cash a check?

Will Alliance Banking Company redeem a savings bond?

Does Alliance Banking Company cash savings bonds?

Will Alliance Banking Company cash money orders?

Can Alliance Banking Company issue a money order?

Does Alliance Banking Company do currency exchange?

Background on The Bank

Who owns Alliance Banking Company?

How long has Alliance Banking Company been around?

Can Alliance Banking Company transfer to other banks?

Does Alliance Banking Company have quick pay?

Does Alliance Banking Company accept rolled coins?

Will Alliance Banking Company accept loose change?

Where is Alliance Banking Company headquarters?

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