Alliance Bank
Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Comm re (24%), securities (22%), cash (14%), home mtgs (13%), comm loans (4%), consumer loans (1%), other (21%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Alliance Bancshares, Inc.
Investment Rating
--
Address
100 West Jefferson Street
Sulphur Springs, TX 75482
Sulphur Springs, TX 75482
Phone Number
(903) 885-2187
Year Founded
1927
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.