Alpine Bank
Glenwood Springs, CO · Cert 23091 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Alpine Banks of Colorado
State charter, non-member · FDIC · 44 branches
Q2 2026
$6.7BAssets
$4.5BLoans
$5.9BDeposits
$722.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 78% of banks $1B-$10B in assets operating in a single state (rank 58 of 258).
- Widest gap: net charge-offs / loans trails 77% of banks $1B-$10B in assets operating in a single state (rank 200 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.31%
Rank 108 of 258
Net Interest Margin
3.72%
Rank 87 of 258
Efficiency Ratio
61.40%
Rank 141 of 257
Equity / Assets
10.79%
Rank 102 of 258
Non-interest income vs. expense
Unfavorable gap of $129.1M · efficiency ratio beats 46% of banks $1B-$10B 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 | 1.31% | 0.93% | 1.23% | 1.54% | Beats 58% | 108 / 258 | | |
| Return on Equity | 12.12% | 9.26% | 11.84% | 14.74% | Beats 53% | 122 / 258 | | |
| Net Interest Margin | 3.72% | 3.16% | 3.49% | 3.88% | Beats 66% | 87 / 258 | | |
| Efficiency Ratio | 61.40% | 51.71% | 60.30% | 69.65% | Beats 46% | 141 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.19% | 0.46% | 0.90% | Beats 61% | 102 / 258 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.02% | 0.07% | Beats 23% | 200 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.21% | 11.41% | 12.98% | 15.12% | Beats 76% | 61 / 258 | | |
| Total Risk-Based Capital Ratio | 16.42% | 12.10% | 13.91% | 16.08% | Beats 78% | 58 / 258 | | |
| Equity / Assets | 10.79% | 9.09% | 10.24% | 11.72% | Beats 60% | 102 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.82% | 73.24% | 86.34% | 95.95% | 30th pctl | 180 / 258 | | |
| Loans / Assets | 66.90% | 63.01% | 72.27% | 78.40% | 32nd pctl | 176 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |