BlastPoint's Banking Scorecard

Alliance Bank Central Texas

$1B-$10B Specialty: Commercial TX FDIC cert 15657

Designations: ✓ Community bank

Woodway, TX

8 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 +17.0% year over year ($1.1B on the books).
Delinquency rate 0.02%.
Return on assets 1.01%.
Efficiency ratio 59.57% vs a 59.73% peer average.
Loan-to-deposit ratio 82.68% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Alliance Bank Central Texas has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.85% below tier average
+ Efficiency Ratio 0.16% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.6% in tier
- Credit Risk Growth: Bottom 6.7% in tier
- Non-Interest Income / Assets 0.44% below tier average
- ROA 0.38% below tier average
- Net Interest Margin 0.74% below tier average

Get updates when Alliance Bank Central Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.3B +29.0% YoY +1.3% QoQ	-$1.5B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$875.7M +3.7% YoY +2.4% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$1.1B +17.0% YoY -0.2% QoQ	-$1.3B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	1.01% +10.4% YoY -3.8% QoQ	-0.38%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	3.13% -2.6% YoY +1.6% QoQ	-0.74%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	59.57% -7.4% YoY -0.1% QoQ	-0.16%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.02% +41.4% YoY	-0.85%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 5.7% in tier
Loan-to-Deposit Ratio ?	82.68% -11.4% YoY +2.7% QoQ	-2.36%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	62%
Non-Interest-Bearing Deposit Share ?	21.34% -24.4% YoY +10.2% QoQ	+0.07%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	1.23% -23.6% YoY -0.9% QoQ	+0.56%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	11.76% -15.6% YoY -27.8% QoQ	-3.08%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.08% -1.1% YoY +97.2% QoQ	-0.44%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 7.0% in tier

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	21.3% -6.9pp YoY +2.0pp QoQ	0.0pp	21.4%	29.2%	22.2%	57%
Brokered Deposits	6.6% -0.6pp YoY 0.0pp QoQ	-2.9pp	9.5%	8.0%	8.5%	56%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	8.1% -0.8pp YoY -0.5pp QoQ	-5.9pp	14.0%	14.8%	12.5%	35%
CRE	68.6% +0.1pp YoY +2.2pp QoQ	+18.6pp	50.0%	48.4%	41.4%	86%
1-4 Family	22.8% +1.0pp YoY -1.5pp QoQ	-3.6pp	26.4%	25.8%	31.3%	49%
Consumer	1.0% -0.2pp YoY +0.1pp QoQ	-3.8pp	4.7%	4.7%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	11.8% -0.3pp YoY -0.2pp QoQ	+0.5pp	11.3%	12.6%	12.6%	74%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	110 +10 (+10.0%) YoY +6 (+5.8%) QoQ	-204	313	186	482	10%
Assets per Employee ($)	$12.0M +17.3% YoY -4.2% QoQ	+$1.5M	$10.5M	$10.1M	$8.8M	78%
Branch Count	8 0 YoY 0 QoQ	-12	20	12	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	41%
Nonaccrual	n/a	n/a	0.8%	1.0%	1.0%	n/a
Allowance Coverage	55.57x -28.1% YoY -94.2% QoQ	+36.86x	18.71x	18.82x	20.23x	97%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	8.8% +1.0pp YoY -0.3pp QoQ	-3.8pp	12.6%	13.2%	11.6%	24%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.6%	1.7%	89%
Net Income ($, YTD)	$6.5M +43.2% YoY — QoQ	-$12.7M	$19.2M	$15.9M	$40.4M	20%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#4 of 492 • Bottom 0.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#28 of 402 • Bottom 6.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.87%

#51 of 882 Top 5.7% in $1B-$10B

Top Weaknesses (6 metrics)

824

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#824 of 885 Bottom 7.0% in $1B-$10B

750

Nonperforming Asset Ratio

credit_quality

Value: 1.23%

Peer Median: 0.67%

#750 of 885 Bottom 15.4% in $1B-$10B

710

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.87%

#710 of 885 Bottom 19.9% in $1B-$10B

709

Total Deposits

size

Value: $1.06B

Peer Median: $2.32B

#709 of 885 Bottom 20.0% in $1B-$10B

702

Total Loans

size

Value: $875.70M

Peer Median: $1.96B

#702 of 885 Bottom 20.8% in $1B-$10B

673

Total Assets

size

Value: $1.32B

Peer Median: $2.79B

#673 of 885 Bottom 24.1% in $1B-$10B