Alliance Bank vs The Exchange Bank

As of Q1 2026, Alliance Bank carries a larger commercial real estate loan book than The Exchange Bank, roughly 18.7× the size — $459.6M versus $24.6M. 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: The Exchange Bank is growing its CRE book (6.1% quarter over quarter) while Alliance Bank is contracting (-0.5%). 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 is at 221% and The Exchange Bank at 96%. 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.

Alliance Bank carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 0% at the other). Rising nonaccruals consume management attention and provisions and often precede tighter credit standards — a useful caution flag when comparing the two as a potential lender.

Of the two, Alliance Bank shows recent commercial loans in the county records we track. The absence of recorded activity for the other does not mean it is not lending — it may operate in counties we do not yet cover — but the recorded presence is the harder evidence of an active book.

The short version: Alliance Bank runs the larger CRE book, The Exchange 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.