Alamosa State Bank
Alamosa, CO · Cert 13947 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Alamosa Bcorp Ltd.
State charter, non-member · FDIC · 1 branch
Q2 2026
$340.3MAssets
$178.8MLoans
$297.8MDeposits
$41.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 748).
- Widest gap: net interest margin trails 43% of banks under $1B in assets operating in a single state (rank 323 of 752).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.85%
Rank 76 of 752
Net Interest Margin
3.85%
Rank 323 of 752
Efficiency Ratio
38.92%
Rank 22 of 752
Equity / Assets
12.21%
Rank 237 of 752
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.85% | 0.72% | 1.07% | 1.45% | Beats 90% | 76 / 752 | |
| Return on Equity | 15.12% | 6.78% | 10.58% | 13.65% | Beats 84% | 123 / 752 | |
| Net Interest Margin | 3.85% | 3.18% | 3.69% | 4.17% | Beats 57% | 323 / 752 | |
| Efficiency Ratio | 38.92% | 55.75% | 64.49% | 75.47% | Beats 97% | 22 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.03% | Beats 100% | 105 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 292 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 22.11% | 11.55% | 13.75% | 17.60% | Beats 87% | 95 / 752 | |
| Total Risk-Based Capital Ratio | 23.30% | 11.70% | 14.33% | 18.47% | Beats 88% | 94 / 752 | |
| Equity / Assets | 12.21% | 8.93% | 10.56% | 13.13% | Beats 68% | 237 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 60.05% | 62.23% | 78.64% | 91.26% | 22nd pctl | 590 / 752 | |
| Loans / Assets | 52.56% | 54.61% | 67.41% | 76.47% | 22nd pctl | 587 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |