Side-by-side · Q2 2026 data
First Texas Bank vs Alliance Bank Central Texas
Metric by metric
| Measure | First Texas Bank | Alliance Bank Central Texas |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 62 | 68 (stronger) |
| Loan quality | 81 | 99 (stronger) |
| Earnings | 94 (stronger) | 60 |
| Funding & liquidity | 87 (stronger) | 44 |
| Problem-loan coverage | 88 (stronger) | 80 |
| Peer percentile | 90th | 66th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 11.25% | 11.76% (stronger) |
| Problem loans | 0.58% | 0.02% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.01% |
| Loans ÷ deposits | 49.2% (stronger) | 82.7% |
| Uninsured deposits | 26.6% (stronger) | 45.0% |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | 15.2% |
First Texas Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Texas Bank leads on 4 and Alliance Bank Central Texas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.