BlastPoint's Banking Scorecard
Alliance Bank Central Texas
Community
Specialty: Commercial
TX
FDIC cert 15657
Woodway, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Alliance Bank Central Texas has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48% in Community
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+27.8% YoY
+19.3% QoQ
|
-$143.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$854.2M
+7.9% YoY
+0.1% QoQ
|
-$121.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$1.0B
+19.1% YoY
+8.8% QoQ
|
-$161.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.94%
+25.5% YoY
+1.0% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.19%
+10.5% YoY
-2.6% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
62.43%
-8.3% YoY
-1.2% QoQ
|
-0.20% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.02%
-21.7% YoY
|
-0.61% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
85.14%
-9.4% YoY
-8.0% QoQ
|
+2.07% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.25%
-2.4% YoY
-12.7% QoQ
|
-0.79% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.32%
-24.4% YoY
-15.6% QoQ
|
+0.83% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
16.39%
+15.3% YoY
+15.4% QoQ
|
+6.15% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.15%
-0.3% YoY
+16.4% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#177 of 371 · Top 48% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Overhang
risk
#117 of 268 · Bottom 43% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.39%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.14%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.39% · Tier avg: 10.24%
61
61th pctile
Total Loans
Current: $854.2M · Tier avg: $975.5M
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.25% · Tier avg: 21.05%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.14% · Tier avg: 83.06%
49
49th pctile
Efficiency Ratio
Current: 62.43% · Tier avg: 62.63%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
25
25th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
25
25th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.43% · Tier avg: 62.63%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.14% · Tier avg: 83.06%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.25% · Tier avg: 21.05%
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $854.2M · Tier avg: $975.5M
84
84th pctile
Tier 1 Capital Ratio
Current: 16.39% · Tier avg: 10.24%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%