Glenwood Springs, CO · Cert 23091 · Alpine Banks of Colorado
State charter, non-member · FDIC · 44 branches
Q2 2026
Market Position · Grand Junction, CO · 2026 SOD (annual) · 20.7% share · #1 of 12 inst. · $0.8B of $3.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.86% | 0.96% | 1.06% | 1.11% | 1.16% | 1.29% | 1.29% | +23 bps | |
| Return on Equity | 9.42% | 9.66% | 10.48% | 11.43% | 11.88% | 12.20% | 12.51% | 12.34% | +91 bps | |
| Net Interest Margin | 2.88% | 2.95% | 3.26% | 3.33% | 3.38% | 3.41% | 3.62% | 3.72% | +39 bps | |
| Efficiency Ratio | 72.04% | 71.13% | 68.30% | 66.04% | 64.92% | 64.39% | 61.67% | 61.40% | -464 bps | |
| Non-Interest Burden | 1.86% | 1.87% | 1.98% | 1.93% | 1.91% | 1.90% | 1.83% | 1.91% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 1.68% | 1.20% | 2.10% | 3.66% | 5.04% | 1.86% | 1.37% | -73 bps | |
| Loan Growth (YoY) | -0.09% | 0.34% | 2.47% | 3.59% | 5.30% | 6.97% | 5.38% | 6.23% | +264 bps | |
| Deposit Growth (YoY) | 0.76% | 2.24% | 0.56% | 1.49% | 3.26% | 3.94% | 0.51% | 0.06% | -143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.15% | 0.25% | 0.26% | 0.21% | 0.25% | 0.32% | 0.31% | +5 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.08% | 0.08% | 0.08% | 0.07% | 0.19% | 0.12% | +4 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.12% | 1.14% | +4 bps | |
| Allowance Coverage of NPLs | 8.6x | 7.5x | 4.4x | 4.3x | 5.1x | 4.4x | 3.5x | 3.7x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.75% | 9.76% | 9.90% | 10.02% | 10.49% | 10.75% | 11.02% | +112 bps | |
| Total Risk-Based Capital | 15.30% | 15.37% | 15.28% | 15.21% | 15.47% | 16.04% | 16.42% | 16.42% | +121 bps | |
| Equity / Assets | 9.18% | 9.13% | 9.23% | 9.53% | 9.58% | 10.16% | 10.47% | 10.79% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.43% | 69.43% | 69.18% | 71.41% | 69.78% | 71.45% | 72.53% | 75.82% | +441 bps | |
| Liquid Assets / Assets | 21.52% | 20.37% | 20.74% | 18.81% | 21.01% | 20.18% | 19.49% | 17.49% | -131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 284% | 278% | n/a | n/a | |