Alliance Bank Central Texas vs First National Bank Texas

As of Q1 2026, First National Bank Texas carries a larger commercial real estate loan book than Alliance Bank Central Texas, roughly 2.0× the size — $1.1B versus $568.1M. 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.

Their trajectories diverge: First National Bank Texas is growing its CRE book (5.6% quarter over quarter) while Alliance Bank Central Texas is contracting (-1.4%). For a borrower weighing the two, the expanding lender is the more likely to be competing for new business right now.

Neither bank has run past the 300% CRE concentration guideline — Alliance Bank Central Texas is at 272% and First National Bank Texas at 219%. 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.

Both books look healthy on asset quality — nonaccrual CRE loans sit below 0.5% of the CRE book at each bank (0% for Alliance Bank Central Texas, 0% for First National Bank Texas). Low nonaccrual levels suggest the existing portfolio is performing and the bank is not preoccupied with problem-loan management.

County recorded documents show both lenders actively closing commercial loans — 11 recent for Alliance Bank Central Texas and 4 for First National Bank Texas. 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: First National Bank Texas runs the larger CRE book, First National Bank Texas is the one still expanding. 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.