# ALLIANCE BANK
SULPHUR SPRINGS, TX · FDIC certificate 11569 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.39B | |
| Deposits | $1.20B | |
| Loans and leases | $814.6M | |
| Total equity | $128.3M | |
| Loans / deposits | 66.91% (p13 of band) | 87.10% |
| Liquid assets / assets | 36.66% (p86 of band) | |
| Uninsured deposits / deposits | 43.02% (p80 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.57% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p48 of band) | 10.50% |
| Unrealized securities loss / equity | -26.84% (p12 of band) | -7.75% |
| AOCI / equity | -1.16% (p15 of band) | |
| ROA (annualized) | 1.14% (p41 of band) | 1.26% |
| Net interest margin | 3.68% (p48 of band) | 3.70% |
| Efficiency ratio | 73.16% (p84 of band) | |
| Noncurrent loans | 0.55% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | -0.03% (p2 of band) | |
| Reserve coverage of noncurrent | 215.35% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 103.25% (p89 of band) | |
| Auto loans | $3.8M (0.46% of loans; DQ 1.76%, NCO 0.00%) | |
| Loans to nondepository financials | $20.1M (16% of equity) (p90 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 228 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | charge-offs p90 |  |
| 2012-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 3 | charge-offs p90 | deposits shrinking |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 2 |  | charge-offs p90, capital falling |
| 2024-06 | 3 | charge-offs p90 |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 1 |  | construction >100% equity, securities losses >30% of equity |
| 2025-12 | 1 | construction >100% equity | charge-offs p90 |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-24 [Fiserv and Western Alliance Bank Form Strategic Alliance to Expand Commerce Capabilities - ABF Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxNaGc3OFYwdmdLX1EyV2J5T0hPYnBkQ0JvUE8zU3Q4bHNXREV1NmFfd1kzTGQxNnFLam5saGpYSHdkXzI1ckx5TTl4M0hlUTIwOUJRZ00xSFI4ZDlGOXFZOG5oNlhFLXg0ZG1oMDRKOUFNcnA2X2wxM1luNkNFQ09zN1V1NlIzRjJiNV8xLWhnSEMwUWdNejRydlYwblJwZWxCSW9ya3lXVXFudG40T29jdy1maW91U3c?oc=5) · ABF Journal
- 2025-10-17 [Alliance Bank Central Texas earns Forbes’ top Texas ranking - Community Impact](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNRkM4endYM3dDOWh3WTV3UUdFLXg2LXVkc2VXWjNSWHFQb1BDdzVMTFBwdm5XaHJ3bmNVRlNTOHQyZVlPdmdDa1VhWTE5d0JuVWFCVWxJWnl5am85bWlOVEJzZnlBSWd6TEJRRzFOTWZ3S0NRdEdwUUY0RTY3dmJxTDh0VThhTE1DeEdOV2RvRkFmM3NsN1diVDV6M2gyR1lJa1hNNzJERWZzNEp2NTdncTNWbUNvZG5lX01DbmFaMkVUM2Rjakgzc19kMkhoeXY2ZTVwNXRHZmFaTk0?oc=5) · Community Impact
- 2026-07-07 [Alliance Bank Family of Businesses Generously Sponsors Designer Handbag Bingo - Front Porch News Texas](https://news.google.com/rss/articles/CBMivgFBVV95cUxNX09jMHJpOWl2b0l1ZWR2d1pGM015amQybVVpcEdYb1NGay1HYXdkeG5ETnZlTjBTb09KMGRwYkdlTG9wTHpJUGwxbjhSelFyZmlEb3Z3WFBramJHdFlZNjFlRlJvOHhNNG9KZ1NqMmlnNzRxQ2tWNHd3WC1WMEZ5TldWdU5CMGV4QjJFdlFRXzRmaW5FRHBnYUlhOXBYeDRTbVhwYkhrSG8xTlNPQVVEUVU3d2tBVWp2bWpiaFlR?oc=5) · Front Porch News Texas
- 2026-06-19 [Title Sponsors for the 7th Annual Designer Handbag Bingo - KSST Radio](https://news.google.com/rss/articles/CBMigwJBVV95cUxPRllOTGVsSmRuSWM2c040LUtEOXpoZmpfd3YzejZ0a0ZzdktiUE9sZEQwZ3hTSUxSaU01RUpuWG5xU01HYXozN2NiQjR4c08yaXRXTDhud3hGR0NPSnNsT3Znd1VfbHJnd2NSbzhxZDlzTmoxbzlweExrRlRJMEVvWlBwMHRnYzNxSGpOYXpiSktuS3djMXBuZmNsbFAyX29iMG1kSzNBRGRGd09JSkxvTEFRWkEzaHF0V2ZmQWFOZ25jQmYwNlJPYlhKbU45OTFKU2I2ZE1XWFFsNGxCUjY2cHF3RXZuNjVTczFNUUNRdzBEejZLVHdCdUYtQkliYWswcnV3?oc=5) · KSST Radio
- 2026-03-24 [Susser Banc Holdings redomiciles to Texas, Aligning with Core Market - ABF Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUF9ZNDdQaklxRkY1RHlGVUJETVNUc1RmRi1jc1B0bkNTcXFrVHhWLWtIaWRJQkdnZndUYlFhNW9icUh4SFVENFh5Y2k2Y0czVXpteko4M2l1SVdwelJjNGpLQk1KU0hyYVB2MG5PTWpFWi1wMDFCZ3ZVY0JNck5ha044YkxtN0NyRFRlS1VLU2RIaUhiSkx1S3BJcw?oc=5) · ABF Journal
- 2024-01-10 [Alliance Bank Central Texas opens new building in Bell County - KWTX](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVmQ3ZUR1bjNwOXR4SndqbHNVUDFZSzFaLVY1bjd2aGlnSXBSTTdpWGs0X3B0MGdtN1JUcjBGTHhYdlRqOTFNbWhKUlBxV21rcEVaVmNKdzUwSkJmZGpySmluQ29oNGtmWW5YNGdhWTVNWTJvSXRfUGlPNmZsV1J2TlZmRnNoLXR1cmRKdEpRQjljbXJXX0HSAaoBQVVfeXFMUGpWd0tfTENQMU1CYXY2OGw4Sm5uRVhhTVJyODI2dUlua3poaG5MUTVwdjJQc3IxdE53dVBrMk5jc2dhLTYtYmMxdm5DVGNHdVdOc1FVV2ZyS2djSmNsREZ5a0dRYVpCZWdoeTcwcWpUcDU0SHEzV193eW53OVI4cFhmVjNLYU1IT1dET1F4M0NRZmZoT0stMjFiX2pFb2pUY3NuUXdoOGlXNGc?oc=5) · KWTX
- 2023-02-16 [Alliance Bank Central Texas to host groundbreaking ceremony in Temple - kcentv.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdGNvdmJ1SHRhWk1uazYzWEUxQ1VoWXNCS2IwRnJkNVRrcVRWbThhdmcxczhGU1JMQXVyeXpyVXpaR2l4RWpLeGdOTjNlZEp5ZUR4Q0JHQUJwTU5fMHdwZDhWcUptbi12LVF6VUJCV1A0OWdjS3h5NzZOc3JkazE0Y0tBYzhwYzlyUi11SW9qbTdLY2tlZkUxOExRcFowQng4WkoxZXN4b3F3a1pCRkFDdWVyQ3FQVWVERnBJQjJLS0JmMnRCMGVVU3I2bWQ1YkhSc0ZBM09yaWJMMG9GeWs0dHlUMUY?oc=5) · kcentv.com
- 2025-03-21 [Western Alliance breach exposes 22K customers’ data - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeUpjSHZnTGZoM3dVTTQyb3VqZFRnaVdfbmliejV4d3J5d2RRMGVpdmEtQnV4c3lUTGdhUFM2RDlqcGtwSGd5dE5obi1EckMxSWI4NExVVC1ZYXI1RTlqazZLQjM0OUtRZjc1NlR1OTRHc1gyN0hJTWdJQzZKMDg0VXZ6dmpmclRKSm4wMEd6VlgwNXNDdURCZW9jVF9yNlFHMUZWakwyYmR6TXRITnp6SA?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11569 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "11569", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide