Alliance Bank Central Texas: how it compares with its peers
Against 89 TX banks with half to twice its assets, Alliance Bank Central Texas's strongest measure in Q2 2026 is assets per employee ($12.0M vs. a $8.2M peer median). Its weakest relative measure is net interest margin (3.13% vs. 4.17%).
| Measure | Alliance Bank Central Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.54% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 4.17% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.57% | 58.07% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $8.2M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.68% | 79.52% | Context |
What it means for lending operations
Its efficiency ratio of 59.57% is above the 58.07% 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
- First Texas Bank Georgetown, TX · $1.31B
- SouthStar Bank, S.S.B. Moulton, TX · $1.37B
- Legend Bank, N.A. Bowie, TX · $1.27B
- The City National Bank of Sulphur Springs Sulphur Springs, TX · $1.37B
- Texas Security Bank Dallas, TX · $1.38B
- Wallis Bank Wallis, TX · $1.38B
Questions about Alliance Bank Central Texas
How big is Alliance Bank Central Texas?
Alliance Bank Central Texas, established in 1939, is headquartered in Woodway, TX. It reported $1.32B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Alliance Bank Central Texas's return on assets?
1.01% annualized in Q2 2026, against a 1.54% median for 89 TX banks with half to twice its assets, ahead of 19% of them.
What is Alliance Bank Central Texas's efficiency ratio?
59.57% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.07%, and lower is better.
Is Alliance Bank Central Texas growing its loans?
Net loans grew 3.7% over the year to Q2 2026, while deposits grew 17.0%.
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.