Headquartered in Sulphur Springs, Texas, Alliance Bank is a state-chartered bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1927.
Based on its Q2 2026 filing, Alliance Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 240th. Its strongest component is problem-loan coverage (91/100; 4.5%), and its lowest is capital cushion (54/100; 10.42%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (57 → 68), mostly because the earnings component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 61 |
| Q4 2024 | 59 |
| Q1 2025 | 42 |
| Q2 2025 | 57 |
| Q3 2025 | 59 |
| Q4 2025 | 61 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.85% |
| Q3 2024 | 9.90% |
| Q4 2024 | 10.00% |
| Q1 2025 | 9.80% |
| Q2 2025 | 9.92% |
| Q3 2025 | 10.33% |
| Q4 2025 | 10.41% |
| Q1 2026 | 10.35% |
| Q2 2026 | 10.42% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.90% |
| Q1 2025 | 2.61% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.68% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $1.4B | 10.42% | 0.55% | 1.14% | 66.9% |
| Q1 2026 | 67 | $1.4B | 10.35% | 0.75% | 1.29% | 65.6% |
| Q4 2025 | 61 | $1.4B | 10.41% | 0.77% | 0.68% | 66.1% |
| Q3 2025 | 59 | $1.3B | 10.33% | 0.88% | 0.52% | 67.7% |
| Q2 2025 | 57 | $1.3B | 9.92% | 0.82% | 0.32% | 65.6% |
| Q1 2025 | 42 | $1.4B | 9.80% | 2.61% | 0.54% | 64.8% |
| Q4 2024 | 59 | $1.3B | 10.00% | 0.90% | 0.61% | 68.5% |
| Q3 2024 | 61 | $1.4B | 9.90% | 0.63% | 0.52% | 68.7% |
| Q2 2024 | 59 | $1.4B | 9.85% | 0.65% | 0.39% | 70.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southwestern National BankBank Houston, TX | 73 out of 100, Strong | $1.4B | 12.4% | 0.42% | vs |
| Wallis BankBank Wallis, TX | 58 out of 100, Moderate | $1.4B | 10.1% | 1.43% | vs |
| Texas Security BankBank Dallas, TX | 63 out of 100, Moderate | $1.4B | 9.6% | 0.41% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |
| Central BankBank Houston, TX | 70 out of 100, Strong | $1.4B | 10.1% | 0.54% | vs |
Deposit insurance
Is my money safe at Alliance Bank?
Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #11569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.0% of deposits ($517.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.72% (benchmark: 10%).
16 locations
Branches
Alliance Bank lists 10 offices in 7 cities. Most locations:
- Mount Vernon, TX (2)
- Rockwall, TX (2)
- Sulphur Springs, TX (2)
- Commerce, TX (1)
- Greenville, TX (1)
- Plano, TX (1)
- Wolfe City, TX (1)
Identity & history
Profile
- Legal name
- Alliance Bank
- Former names
- Sulphur Springs State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11569
- RSSD ID
- 176464
- Primary regulator
- FDIC
- Holding company
- Alliance Bancshares Inc
- Established
- June 16, 1927
- Headquarters
- 100 Jefferson St W, Sulphur Springs, TX 75482
- Website
- www.alliancebank.com
- Employees
- 228
Quick answers
Alliance Bank: common questions
Is Alliance Bank FDIC insured?
Yes. Alliance Bank is an FDIC-insured institution (FDIC certificate #11569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Alliance Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Alliance Bank ever failed?
There is no failure record for FDIC certificate #11569 in the FDIC failed bank list.
How many branches does Alliance Bank have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sulphur Springs
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| The First National Bank of WinnsboroBank Winnsboro, TX | 86 out of 100, Very strong | $158.2M | 22.7% | 1.10% | vs |
| Yantis Federal Credit UnionCredit union Yantis, TX | 82 out of 100, Strong | $26.8M | 13.4% | 0.01% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |