This institution is no longer active

Operations ceased on July 1, 2024. CRA examination history below reflects the period it was active.

ALLIANCE BANK & TRUST COMPANY

GASTONIA, NC · Supervised by FDIC

Est. 2004FDIC #57,733RSSD: FDIC-57733

Part ofROBERTSON HOLDING CO L P→ View all charters

Satisfactory Same

Current rating · Exam: August 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.16%

Is this bank safe?

ALLIANCE BANK & TRUST COMPANY holds a Satisfactory CRA rating (2018), and is financially strong (ROA +1.16%).

Institution Profile

FDIC BankFind

Address

292 W Main Ave, GASTONIA, NC

County

Gaston County

Established

September 8, 2004

Total Assets

$269M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2018

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2024Call Report / FDIC

Total Assets

$269M

Total Deposits

$247M

Net Loans

$208M

Net Income

$2M

ROA

1.16%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.55%

Risk-Based Capital

11.62%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.16%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.62%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate11.28%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	532	68.23%	11.28%
2020	2,136	70.74%	13.11%
2019	1,160	67.5%	13.97%
2018	950	70.21%	13.68%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2018	Satisfactory	Small Bank
Nov 2012	Satisfactory	Small Bank
Jul 2007	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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