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.

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).

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

Yes. Alliance Bank Central Texas is an FDIC-insured institution (FDIC certificate #15657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.0% of deposits ($477.0M) 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 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Alliance Bank Central Texas lists 7 offices in 6 cities. Most locations:

• Waco, TX (2)
• Donie, TX (1)
• Georgetown, TX (1)
• Jewett, TX (1)
• Temple, TX (1)
• Woodway, TX (1)

All branch addresses and map

In 2025, Alliance Bank Central Texas reported 214 home-loan applications under HMDA (LEI 5493006XPYTPLP6BLN10): 152 originated ($43,380,000 total), 32 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Alliance Bank Central Texas

Former names

State Bank of Jewett

Type

State-chartered bank

FDIC certificate #

15657

RSSD ID

601658

Primary regulator

FDIC

Holding company

Abct Holdings Inc

Established

March 16, 1939

Headquarters

191 Archway Dr, Woodway, TX 76712

Website

www.alliancebanktexas.com

Employees

110