Alliance Bank Central Texas vs Farmers & Merchants Bank

As of Q1 2026, Alliance Bank Central Texas carries a larger commercial real estate loan book than Farmers & Merchants Bank — $568.1M versus $0. CRE book size is one gauge of how much lending capacity a bank is actively deploying, though a bigger book is not automatically better for a borrower; what matters is whether the bank is still growing that book and how concentrated it has become.

Neither bank has run past the 300% CRE concentration guideline — Alliance Bank Central Texas is at 272% and Farmers & Merchants Bank at 0%. Banks well below the guideline typically have more room to keep adding commercial real estate loans, which tends to mean more competitive pricing and terms for borrowers.

County recorded documents show both lenders actively closing commercial loans — 11 recent for Alliance Bank Central Texas and 1 for Farmers & Merchants Bank. Alliance Bank Central Texas shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.

The short version: Alliance Bank Central Texas runs the larger CRE book. The right lender for any specific deal still depends on property type, sponsorship, and the current terms each is quoting — the table above and each bank's full profile carry the detail.