Alliance Bank Central Texas vs Texas Bank

As of Q1 2026, Alliance Bank Central Texas carries a larger commercial real estate loan book than Texas Bank, roughly 1.3× the size — $568.1M versus $423.3M. 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 Texas Bank is down 0.1%. 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.

Texas Bank is further up the concentration curve at 349% — past the 300% supervisory guideline — while Alliance Bank Central Texas sits lower at 272% with more balance-sheet capacity to keep lending. A borrower may find the less-concentrated bank more receptive to new credit, though concentration is only one of several appetite signals.

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 Texas 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 15 for Texas Bank. Texas Bank 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.