Alliance Bank Central Texas (FDIC #15657): Bank Stress & Real-Estate Credit Exposure
Alliance Bank Central Texas (FDIC Cert #15657): bank stress 65/100, elevated, STABLE over 7 days; parent ABCT HOLDINGS INC.
Alliance Bank Central Texas (#15657) lends in 5 counties across 1 state; Alliance Bank Central Texas (#15657) reaches 91 ZIP codes: Texas 5 counties, 91 ZIPs.
Alliance Bank Central Texas (#15657) largest markets: Mclennan County, TX (87 branches, 29 ZIPs) (#15657), Williamson County, TX (27 branches, 27 ZIPs) (#15657), Bell County, TX (23 branches, 23 ZIPs) (#15657), Freestone County, TX (9 branches, 9 ZIPs) (#15657), Leon County, TX (8 branches, 8 ZIPs) (#15657).
Alliance Bank Central Texas (#15657) reports $1.32 billion in total assets; Alliance Bank Central Texas (#15657) equity $150.8 million (11.4% of Alliance Bank Central Texas (#15657) assets); Alliance Bank Central Texas (#15657) domestic deposits $1.06 billion; Alliance Bank Central Texas (#15657) net income $6.5 million; Alliance Bank Central Texas (#15657) return on assets 1.01%; Alliance Bank Central Texas (#15657) return on equity 8.79%; Alliance Bank Central Texas (#15657) net interest income $19.0 million; Alliance Bank Central Texas (#15657) call report June 30, 2026.
Alliance Bank Central Texas (#15657) noncurrent real-estate loans: none reported; Alliance Bank Central Texas (#15657) net charge-offs on real estate 0.02%; Alliance Bank Central Texas (#15657) residential charge-offs 0.03%.
Alliance Bank Central Texas (#15657) net interest margin 3.13% against an eight-quarter Alliance Bank Central Texas (#15657) average of 3.09% (Alliance Bank Central Texas (#15657) compression -0.04 points); Alliance Bank Central Texas (#15657) non-residential real estate 2.6% of equity; Alliance Bank Central Texas (#15657) rate-exposure score 40/100, Alliance Bank Central Texas (#15657) fixed-rate trap 40/100; Alliance Bank Central Texas (#15657) risk type credit driven; Alliance Bank Central Texas (#15657) rate regime rates elevated, Alliance Bank Central Texas (#15657) snapshot October 19, 2026.
Alliance Bank Central Texas (#15657) stress score moved from 63.8 on June 22, 2026 to 65.4 on October 19, 2026; Alliance Bank Central Texas (#15657) ranged 63.8 to 65.4 over 116 snapshots.
Alliance Bank Central Texas (#15657) alerts: 5 counties; top Alliance Bank Central Texas (#15657) alert scores: Donie County, TX 20 (low); Georgetown County, TX 20 (low); Jewett County, TX 20 (low); Temple County, TX 20 (low); Woodway County, TX 20 (low).