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Alamosa State Bank

Alamosa, CO · Cert 13947 · Alamosa Bcorp Ltd.

State charter, non-member · FDIC · 1 branch

Q2 2026

$340.3MAssets
$178.8MLoans
$297.8MDeposits
$41.5MEquity
Loan mix
86%RE $133.9M9%C&I $14.0M5%Consumer $7.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $221.8M26%Noninterest $76.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.96%, up 20 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.85%, up 71 bps from a year ago.
  • Funding: loans stand at 60.05% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.96%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+22 bps YoY

Efficiency Ratio (quarter, annualized)

38.25%-271 bps YoY

Tier 1 Leverage Ratio

12.85%+71 bps YoY

NIM

4.32%Q2 ’244.50%Q2 ’254.73%Q2 ’26+6%+6%

Non-interest income vs. expense

1.41%Q2 ’241.60%Q2 ’251.58%Q2 ’26+14%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.32%1.71%1.76%1.81%1.28%1.82%1.96%+20 bps
Return on Equity17.46%12.72%15.78%15.57%15.86%10.92%14.88%15.87%+30 bps
Net Interest Margin3.61%3.62%3.57%3.72%3.75%3.70%3.78%3.94%+22 bps
Efficiency Ratio39.48%55.57%40.18%40.96%39.48%57.27%39.62%38.25%-271 bps
Non-Interest Burden1.31%1.92%1.33%1.41%1.37%2.04%1.39%1.38%-2 bps
Growth
Asset Growth (YoY)-5.78%-5.00%-1.63%1.40%0.81%0.65%0.71%0.99%-41 bps
Loan Growth (YoY)16.68%15.47%5.04%2.24%0.33%-0.53%1.32%5.22%+298 bps
Deposit Growth (YoY)-8.72%-6.94%-3.74%-0.43%-0.44%-1.22%-0.70%-0.04%+39 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.01%0.00%0.01%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.02%0.02%-0.01%-1 bps
Allowance / Loans1.08%1.09%1.15%1.15%1.16%1.14%1.18%1.15%+1 bps
Allowance Coverage of NPLsn/a106.2x163.3x162.4x281.6x87.2xn/an/an/a
Capital
Tier 1 Leverage Ratio11.32%11.15%11.93%12.14%12.02%11.96%12.67%12.85%+71 bps
Total Risk-Based Capital21.18%20.91%21.99%22.43%23.00%22.87%23.51%23.30%+87 bps
Equity / Assets10.37%10.34%11.29%11.33%11.50%11.97%12.49%12.21%+88 bps
Liquidity & Funding
Loans / Deposits55.66%58.79%59.83%57.05%56.09%59.20%61.05%60.05%+300 bps
Liquid Assets / Assets19.17%16.63%16.26%20.08%21.45%17.85%15.97%17.22%-287 bps
CRE / Total Capitaln/an/an/an/a112.83%111.54%111.24%n/an/a