BlastPoint's Banking Scorecard
Alliance Bank
Designations: ✓ Community bank
Sulphur Springs, TX
17 branches across TX
Alliance Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 35.3% in tier
- - ROA 0.08% below tier average
- - Net Interest Margin 0.27% below tier average
- - Efficiency Ratio 6.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-1.3% YoY
-0.3% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$777.2M
-1.6% YoY
-1.1% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.8% in tier |
| Total Deposits ? |
$1.2B
-2.9% YoY
-0.5% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.29%
+138.4% YoY
+90.4% QoQ
|
-0.08% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.55%
+16.0% YoY
+7.2% QoQ
|
-0.27% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
67.82%
-8.0% YoY
-6.4% QoQ
|
+6.76% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.76%
-71.1% YoY
-2.4% QoQ
|
-0.13% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
65.65%
+1.3% YoY
-0.7% QoQ
|
-18.56% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.07%
+11.7% YoY
-1.6% QoQ
|
+5.78% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.92%
-39.0% YoY
-26.3% QoQ
|
+0.25% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
15.82%
+5.3% YoY
+2.5% QoQ
|
+0.66% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.27%
+18.7% YoY
-72.4% QoQ
|
+0.01% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
83% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.