BlastPoint's Banking Scorecard
Alliance Bank
Designations: ✓ Community bank
Sulphur Springs, TX
16 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +2.5% year over year ($1.2B on the books).
- Delinquency rate 0.56%.
- Return on assets 1.14%.
- Efficiency ratio 73.16% vs a 59.73% peer average.
- Loan-to-deposit ratio 66.91% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Alliance Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Net Interest Margin 0.19% below tier average
- - Efficiency Ratio 13.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+3.4% YoY
+1.4% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$804.9M
+4.5% YoY
+3.6% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$1.2B
+2.5% YoY
+1.6% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.14%
+255.0% YoY
-11.0% QoQ
|
-0.25% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.68%
+15.4% YoY
+3.6% QoQ
|
-0.19% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
73.16%
-1.4% YoY
+7.9% QoQ
|
+13.43% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
0.56%
-32.6% YoY
-27.0% QoQ
|
-0.31% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
66.91%
+2.0% YoY
+1.9% QoQ
|
-18.13% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.88%
+7.6% YoY
+3.0% QoQ
|
+6.60% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.45%
-64.4% YoY
-51.4% QoQ
|
-0.23% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
15.59%
+1.7% YoY
-1.4% QoQ
|
+0.75% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.44%
-4.2% YoY
+65.1% QoQ
|
-0.08% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.9%
+2.0pp YoY +0.8pp QoQ |
+6.5pp | 21.4% | 29.2% | 22.2% | 79% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
+1.3pp YoY +1.4pp QoQ |
-6.5pp | 14.0% | 14.8% | 12.5% | 30% |
| CRE |
58.6%
+1.8pp YoY -0.6pp QoQ |
+8.5pp | 50.0% | 48.4% | 41.4% | 73% |
| 1-4 Family |
22.4%
-1.4pp YoY -0.4pp QoQ |
-4.0pp | 26.4% | 25.8% | 31.3% | 48% |
| Consumer |
1.4%
0.0pp YoY -0.2pp QoQ |
-3.3pp | 4.7% | 4.7% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.6%
+0.3pp YoY -0.2pp QoQ |
0.0pp | 15.6% | 22.7% | 19.7% | 75% |
| Leverage Ratio |
10.4%
+0.5pp YoY +0.1pp QoQ |
-0.9pp | 11.3% | 12.6% | 12.6% | 48% |
| Total Capital Ratio |
16.7%
+0.4pp YoY -0.3pp QoQ |
0.0pp | 16.7% | 23.8% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
228
-1 (-0.4%) YoY -2 (-0.9%) QoQ |
-86 | 313 | 186 | 482 | 48% |
| Assets per Employee ($) |
$6.1M
+3.9% YoY +2.3% QoQ |
-$4.4M | $10.5M | $10.1M | $8.8M | 13% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 12 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY |
-0.1pp | 0.2% | 0.3% | 0.4% | 64% |
| Nonaccrual |
0.5%
-0.3pp YoY -0.3pp QoQ |
-0.3pp | 0.8% | 1.0% | 1.0% | 49% |
| Allowance Coverage |
2.15x
+58.5% YoY +31.7% QoQ |
-16.56x | 18.71x | 18.82x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
-0.1%
-1.2pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+8.3pp YoY -1.5pp QoQ |
-0.3pp | 12.6% | 13.2% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$7.9M
+260.4% YoY — QoQ |
-$11.4M | $19.2M | $15.9M | $40.4M | 29% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.