PackageTrendsPeer
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Alpine Capital Bank

New York, NY · Cert 35377 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Helios Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$237.3MAssets
$137.4MLoans
$201.0MDeposits
$33.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 30).
  • Widest gap: equity / assets trails 42% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 13 of 31).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

0.66%

Rank 10 of 31

Net Interest Margin

4.20%

Rank 4 of 31

Efficiency Ratio

74.43%

Rank 10 of 31

Equity / Assets

14.27%

Rank 13 of 31

Non-interest income vs. expense

$0.5M$7.7MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 71% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 74.43%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.66%-0.02%0.39%0.84%Beats 68%10 / 31
Return on Equity4.60%-0.19%2.57%5.72%Beats 65%11 / 31
Net Interest Margin4.20%2.51%3.30%3.85%Beats 87%4 / 31
Efficiency Ratio74.43%68.41%83.66%91.76%Beats 71%10 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.47%2.65%Beats 100%5 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio22.20%13.24%15.54%26.77%Beats 68%10 / 31
Total Risk-Based Capital Ratio23.45%14.07%16.32%26.77%Beats 68%10 / 31
Equity / Assets14.27%10.38%13.26%17.83%Beats 58%13 / 31
Liquidity & Funding
Loans / Deposits68.35%84.03%94.98%103.65%16th pctl26 / 31
Loans / Assets57.88%61.61%75.31%83.78%19th pctl25 / 31
Brokered Deposits / Depositsn/aNot reported for this institution