Alliance Bank vs Vantage Bank Texas

As of Q1 2026, Vantage Bank Texas carries a larger commercial real estate loan book than Alliance Bank, roughly 4.5× the size — $2.1B versus $459.6M. 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: Vantage Bank Texas is growing its CRE book (3.9% 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.

Vantage Bank Texas is further up the concentration curve at 335% — past the 300% supervisory guideline — while Alliance Bank sits lower at 221% 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.

Alliance Bank carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 1% 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.

County recorded documents show both lenders actively closing commercial loans — 2 recent for Alliance Bank and 7 for Vantage Bank Texas. Vantage Bank 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: Vantage Bank Texas runs the larger CRE book, Vantage 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.