Alamosa State Bank
Alamosa, CO · Cert 13947 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 108 of 751).
- Widest gap: net interest margin trails 42% of banks under $1B in assets operating in a single state (rank 315 of 755).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.85%
Rank 79 of 755
Net Interest Margin
3.85%
Rank 315 of 755
Efficiency Ratio
38.92%
Rank 23 of 755
Equity / Assets
12.21%
Rank 234 of 755
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.85% | 0.72% | 1.06% | 1.45% | Beats 90% | 79 / 755 | | |
| Return on Equity | 15.12% | 6.66% | 10.44% | 13.61% | Beats 83% | 125 / 755 | | |
| Net Interest Margin | 3.85% | 3.15% | 3.68% | 4.17% | Beats 58% | 315 / 755 | | |
| Efficiency Ratio | 38.92% | 55.75% | 64.78% | 75.61% | Beats 97% | 23 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 292 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 22.11% | 11.56% | 13.81% | 17.74% | Beats 87% | 98 / 755 | | |
| Total Risk-Based Capital Ratio | 23.30% | 11.72% | 14.46% | 18.53% | Beats 87% | 97 / 755 | | |
| Equity / Assets | 12.21% | 8.93% | 10.56% | 13.13% | Beats 69% | 234 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.05% | 62.43% | 78.62% | 91.00% | 21st pctl | 595 / 755 | | |
| Loans / Assets | 52.56% | 54.70% | 67.27% | 76.55% | 22nd pctl | 592 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |