# ALLIANCE BANK CENTRAL TEXAS
WOODWAY, TX · FDIC certificate 15657 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (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 | $1.32B | |
| Deposits | $1.06B | |
| Loans and leases | $885.5M | |
| Total equity | $150.8M | |
| Loans / deposits | 82.68% (p39 of band) | 87.10% |
| Liquid assets / assets | 28.46% (p73 of band) | |
| Uninsured deposits / deposits | 45.03% (p83 of band) | 30.76% |
| Brokered deposits | 5.26% | |
| Wholesale funding | 13.57% (p76 of band) | |
| FHLB advances / assets | 8.31% | |
| Tier 1 leverage | 11.76% (p74 of band) | 10.50% |
| Unrealized securities loss / equity | -5.30% (p62 of band) | -7.75% |
| AOCI / equity | -0.50% (p35 of band) | |
| ROA (annualized) | 1.01% (p31 of band) | 1.26% |
| Net interest margin | 3.13% (p20 of band) | 3.70% |
| Efficiency ratio | 59.57% (p52 of band) | |
| Noncurrent loans | 0.02% (p7 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 5557.39% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 109.00% (p91 of band) | |
| Auto loans | $4.6M (0.52% of loans; DQ 3.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 17.0% | |
| Employees | 110 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | losing money | reserve under noncurrent |
| 2012-06 | 0 |  | losing money |
| 2012-09 | 2 | losing money, reserve under noncurrent |  |
| 2012-12 | 4 | charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-03 | 3 |  | losing money |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 3 | losing money |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking, losing money |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | construction >100% equity | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | construction >100% equity |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | construction >100% equity |  |
| 2021-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2021-06 | 3 | run vulnerability | capital falling |
| 2021-09 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2021-12 | 1 | uninsured deposits >50% | construction >100% equity |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | run vulnerability, construction >100% equity |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 2 | loans exceed deposits | uninsured deposits >50%, run vulnerability, capital falling |
| 2023-09 | 3 | liquid assets <10% |  |
| 2023-12 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2024-03 | 2 |  |  |
| 2024-06 | 5 | loans exceed deposits, liquid assets <10%, noncurrent p90, reserve under noncurrent | capital falling |
| 2024-09 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2024-12 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 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
- 2024-07-22 [Alliance Bank to open full-service banking center in Georgetown - Community Impact](https://news.google.com/rss/articles/CBMisgFBVV95cUxONmJhTmd2MG9Vc2RDQURrUVpGdXNDZmJ0dmRtZXlMdTZwUFlOT3RuRncybWNFZk9fbnhEc293M2NLOXQ2dS1hTENadF9QdnRfeXJkZUdZM0hvemtyWlBsbVlSSTdsNnFmdl9vZFZZb2dfWEdaY0tkVWRibkM3OGtGcXpES0hCY3NwYkd2Zk1PS2RPa2VNdmxUbnlab0FvbjZlSE5NeHIyN1BfY2lUNFJQRUtn?oc=5) · Community Impact
- 2024-09-28 [Mary Lou Andrie Obituary Apr 24, 2019 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE0zT3U1SEswZzVBOXNKMXRIcnhfclhQZ2NnTERSVktFUmdOMnJRNzU4ZU1KRktaaHJKaUVPZ0stRW5GelMwVG1XZjdTSnBPN01iX2tWUl9TTXVnb2VoVVM4UWJR?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2024-06-20 [Ronald Sherry Obituary February 16, 2011 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9WOGR5cURBaG5WamFxeVlNMV9EbzRaMjcxQzNhV2xCcFh2WFBUbnlhRWFqRS02NHY3LVNRc3hqQUNRWUp2Um5admpNMmVQakM5NGEzeWJ1Mm9PME16UXdUM056Tk9IUQ?oc=5) · Grace Gardens Funeral Home &amp; Crematorium
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2018-08-21 [George Joseph Andrie Obituary Aug 21, 2018 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5sOE4wMlF5TzdlTVVjTDdYTUtmQ1B0TkpVZVh3bVgzY3hieEVEWE5odFA3QlVyM0lJanZtOE55a2xJWFVOdTNNdlZ3WUNCOGFVZmx2cklidTRXa3NkM1c1dFM3S0lpbG51?oc=5) · Wilkirson-Hatch-Bailey Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15657 (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/41.json (key "15657", 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