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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 1.88%, up 15 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • 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 (YTD, annualized)

1.88%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+21 bps YoY

Efficiency Ratio (YTD, annualized)

38.92%-166 bps YoY

Tier 1 Leverage Ratio

12.85%+71 bps YoY

NIM

4.30%Q2 ’244.44%Q2 ’254.63%Q2 ’26+3%+6%

Non-interest income vs. expense

1.42%Q2 ’241.55%Q2 ’251.57%Q2 ’26+11%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.64%1.71%1.72%1.75%1.64%1.82%1.88%+15 bps
Return on Equity18.40%17.02%15.78%15.67%15.74%14.54%14.88%15.35%-32 bps
Net Interest Margin3.57%3.50%3.57%3.64%3.61%3.58%3.78%3.85%+21 bps
Efficiency Ratio38.65%43.02%40.18%40.58%40.20%44.62%39.62%38.92%-166 bps
Non-Interest Burden1.26%1.40%1.33%1.37%1.34%1.50%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%0.01%0.02%0.00%0 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