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Alpine Capital Bank

New York, NY · Cert 35377 · Helios Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$237.3MAssets
$137.4MLoans
$201.0MDeposits
$33.9MEquity
Loan mix
91%RE $113.0M9%C&I $11.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $169.3M16%Noninterest $31.6MQ2 2025Q2 2026

NIM

6.32%Q2 ’246.09%Q2 ’256.20%Q2 ’26-33%+12%

Non-interest income vs. expense

2.79%Q2 ’243.56%Q2 ’253.26%Q2 ’26+28%-13%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #119 of 151 inst. · $0.2B of $2921.1B

Executive Summary

  • Earnings: ROA of 0.68%, up 58 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.74%, down 174 bps from a year ago.
  • Funding: loans stand at 68.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+58 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+45 bps YoY

Efficiency Ratio (YTD, annualized)

71.94%-1,898 bps YoY

Tier 1 Leverage Ratio

13.74%-174 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.09%0.15%0.56%0.68%+58 bps
Return on Equity0.66%0.58%0.94%3.67%4.57%+391 bps
Net Interest Margin3.75%3.78%3.75%4.12%4.20%+45 bps
Efficiency Ratio90.92%89.68%87.61%76.11%71.94%-1,898 bps
Non-Interest Burden3.49%3.47%3.37%3.17%3.04%-45 bps
Growth
Asset Growth (YoY)3.03%13.47%10.69%4.34%18.81%+1,578 bps
Loan Growth (YoY)92.76%119.47%73.70%75.96%67.28%-2,548 bps
Deposit Growth (YoY)2.61%16.86%13.07%5.07%23.80%+2,119 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.37%1.30%1.37%1.22%1.24%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.48%15.55%15.06%14.59%13.74%-174 bps
Total Risk-Based Capital36.82%31.21%30.07%25.94%23.45%-1,337 bps
Equity / Assets16.81%16.35%15.33%15.27%14.27%-255 bps
Liquidity & Funding
Loans / Deposits50.58%60.80%57.65%66.70%68.35%+1,777 bps
Liquid Assets / Assets54.31%45.68%48.10%40.47%38.69%-1,562 bps
CRE / Total Capitaln/a280%287%335%n/an/a