# ALLIANCE BANK&TRUST CO
GASTONIA, NC · FDIC certificate 57733 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $269.0M | |
| Deposits | $246.7M | |
| Loans and leases | $211.7M | |
| Total equity | $21.4M | |
| Loans / deposits | 84.17% (p71 of band) | 71.75% |
| Liquid assets / assets | 19.56% (p19 of band) | |
| Uninsured deposits / deposits | 48.45% (p96 of band) | 18.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.37% (p7 of band) | 11.46% |
| Unrealized securities loss / equity | -5.50% (p71 of band) | -15.99% |
| AOCI / equity | 0.03% (p66 of band) | |
| ROA (annualized) | 1.16% (p64 of band) | 0.90% |
| Net interest margin | 4.96% (p90 of band) | 3.52% |
| Efficiency ratio | 49.02% (p9 of band) | |
| Noncurrent loans | 0.23% (p48 of band) | 0.26% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 836.51% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 73.11% (p85 of band) | |
| Auto loans | $200,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 35 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 | losing money, charge-offs p90 |  |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 4 |  | expense ratio p90, losing money, charge-offs p90, capital falling |
| 2012-06 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 7 | losing money, expense ratio p90, assets shrinking | brokered >10%, uninsured deposits leaving |
| 2012-12 | 12 | brokered >10%, leverage <7%, capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2013-03 | 10 |  | brokered >10%, uninsured deposits leaving |
| 2013-06 | 10 |  |  |
| 2013-09 | 12 | leverage <5% |  |
| 2013-12 | 11 |  | noncurrent p90 |
| 2014-03 | 10 | construction >100% equity | deposits shrinking, charge-offs p90 |
| 2014-06 | 10 | noncurrent p90 | assets shrinking |
| 2014-09 | 10 | charge-offs p90 | noncurrent p90 |
| 2014-12 | 10 | noncurrent p90 | wholesale funding >15% |
| 2015-03 | 9 | deposits shrinking, assets shrinking | capital falling, construction >100% equity, noncurrent p90 |
| 2015-06 | 5 |  | reserve under noncurrent, leverage <7%, leverage <5% |
| 2015-09 | 6 | leverage <7% |  |
| 2015-12 | 10 | capital falling, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2016-03 | 4 |  | losing money, expense ratio p90, charge-offs p90, leverage <7%, capital falling, construction >100% equity |
| 2016-06 | 6 | leverage <7%, charge-offs p90 |  |
| 2016-09 | 2 |  | deposits shrinking, assets shrinking, leverage <7%, charge-offs p90 |
| 2016-12 | 2 | leverage <7% | noncurrent p90 |
| 2017-03 | 2 | charge-offs p90 | leverage <7% |
| 2017-06 | 3 | expense ratio p90 |  |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 2 |  | expense ratio p90, assets shrinking |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | leverage <7% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | capital falling, leverage <7% |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57733 (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/5.json (key "57733", 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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