Alliance Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 10.0. A current level of 6.8 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (27%), comm re (24%), home mtgs (13%), cash (7%), comm loans (4%), consumer loans (1%), other (24%)
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
No affiliate information available.