Alliance Bank Central Texas vs Northeast Bank

As of Q1 2026, Alliance Bank Central Texas carries a larger commercial real estate loan book than Northeast Bank, roughly 1.4× the size — $568.1M versus $403.0M. 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.

Both banks are letting their CRE books contract quarter over quarter — Alliance Bank Central Texas is down 1.4% and Northeast Bank is down 0.3%. A shrinking CRE book can signal a lender in run-off mode, tightening credit standards, or working through past-due loans, all of which can make a new loan harder to place.

Neither bank has run past the 300% CRE concentration guideline — Alliance Bank Central Texas is at 272% and Northeast Bank at 268%. 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 Northeast Bank). 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 1 for Northeast 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, Northeast Bank 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.