Alliance Bank: how it compares with its peers
Against 84 TX banks with half to twice its assets, Alliance Bank's strongest measure in Q2 2026 is return on assets (1.14% vs. a 1.54% peer median). Its weakest relative measure is efficiency ratio (73.16% vs. 57.93%).
| Measure | Alliance Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.54% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 4.17% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.16% | 57.93% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $8.6M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.91% | 80.05% | Context |
What it means for lending operations
Its efficiency ratio of 73.16% is above the 57.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Southwestern National Bank Houston, TX · $1.39B
- Wallis Bank Wallis, TX · $1.38B
- Texas Security Bank Dallas, TX · $1.38B
- The City National Bank of Sulphur Springs Sulphur Springs, TX · $1.37B
- SouthStar Bank, S.S.B. Moulton, TX · $1.37B
- Central Bank Houston, TX · $1.42B
Questions about Alliance Bank
How big is Alliance Bank?
Alliance Bank, established in 1927, is headquartered in Sulphur Springs, TX. It reported $1.39B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Alliance Bank's return on assets?
1.14% annualized in Q2 2026, against a 1.54% median for 84 TX banks with half to twice its assets, ahead of 26% of them.
What is Alliance Bank's efficiency ratio?
73.16% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 57.93%, and lower is better.
Is Alliance Bank growing its loans?
Net loans grew 4.5% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.