Alpine Bank
Alpine Bank reported total assets of $6.7 bn at Q2 2026, up 1.4% on a year earlier, the 228th largest of 497 banks in our US coverage. The CET1 capital ratio at Alpine Bank was 15.21%, and the uninsured share of Alpine Bank was 38.46%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Alpine Bank slipped from 140th to 210th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Alpine Bank apart
How large is Alpine Bank?
The balance sheet of Alpine Bank at : assets $6.7 bn, deposits $5.9 bn, net loans $4.4 bn (loans equal to 74.96% of deposits). Securities make up 24.9% of total assets at Alpine Bank. Since , when Alpine Bank held $2.8 bn, its assets grew 136.2%. In the year to , deposits at Alpine Bank rose 0.1% while its total assets rose 1.4%. At , Alpine Bank employed 869 full-time equivalent staff across 47 offices, about $7.7 mn of assets per employee and $125.7 mn of deposits per office.
How much funding at Alpine Bank is uninsured?
At Alpine Bank, uninsured deposits (above the FDIC limit) made up 38.46% of domestic deposits at (-4.66 pp on a year earlier); Alpine Bank ranks 210th of 500 on this measure. In dollars, Alpine Bank estimated $2.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.9 bn | +0.1% | 210th of 499 |
| Net loans and leases | $4.4 bn | +6.2% | 237th of 500 |
| Loan-to-deposit ratio | 74.96% | +4.33 pp | 386th of 500 |
| Tier 1 leverage ratio | 11.02% | +1.12 pp | 168th of 500 |
| Total risk-based capital ratio | 16.42% | +1.21 pp | 110th of 448 |
| Net interest margin | 3.94% | +0.33 pp | 158th of 500 |
| Return on assets (ROA) | 1.29% | +0.23 pp | 256th of 500 |
| Efficiency ratio | 61.40% | -4.64 pp | 348th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $58.3 mn | Narrowed by $38.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $49.9 mn | Narrowed by $15.2 mn | |
| Noncurrent loans to total loans | 0.31% | +0.05 pp | 113th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.04 pp | 286th of 500 (1 = lowest) |
US rank of Alpine Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Alpine Bank: assets, deposits and loans
- Total assets $6.7bn
- Deposits $5.9bn
- Net loans $4.4bn
Capital and securities
The CET1 ratio of Alpine Bank stood at 15.21% in , +1.13 pp year on year. Low and high at Alpine Bank since : 11.26% () to 15.24% (). Equity capital of Alpine Bank at : $722.3 mn, or 10.8% of total assets. Alpine Bank also reported a total capital ratio of 16.42% for , and a tier 1 leverage ratio of 11.02%.
On held-to-maturity securities, Alpine Bank carried an unrealized loss of $58.3 mn at , equal to 8.1% of equity capital. The loss narrowed by $38.0 mn over the year. Its deepest point: $127.8 mn in . The available-for-sale portfolio of Alpine Bank showed an unrealized loss of $49.9 mn at ; the loss narrowed by $15.2 mn over the year.
Alpine Bank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Alpine Bank: unrealized securities gains and losses
- Available for sale -$50mn
- Held to maturity -$58mn
Profitability and loan quality
For the year to , Alpine Bank earned a return on equity of 12.34%; return on assets: 1.29%. Net interest margin at Alpine Bank: 3.94%, +0.33 pp in a year. Alpine Bank net income: $43.8 mn, up 24.9% year on year. The efficiency ratio of Alpine Bank was 61.40%: about 61 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.31% of total loans at Alpine Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at Alpine Bank: $4.5 bn, up 6.2% in a year.
Alpine Bank: profitability
- Return on equity 12%
- Net interest margin 3.9%
- Return on assets 1.3%
Peer group of Alpine Bank
The peer group of Alpine Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Alpine Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Colorado. Against them, Alpine Bank shows CET1 ratio 15.21% against a peer median of 14.17%, return on equity 12.34% against a peer median of 11.29% and uninsured deposit share 38.46% against a peer median of 26.73%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| City National Bank of West Virginia | National bank | WV | $6.8 bn | 15.01% | 19.17% | 16.74% | |
| Third Coast Bank | State member bank | TX | $6.7 bn | 12.10% | 11.42% | 30.98% | |
| Heartland Bank and Trust Company | State nonmember bank | IL | $6.7 bn | 14.75% | 11.16% | 23.85% | |
| Alpine Bank | State nonmember bank | CO | $6.7 bn | 15.21% | 12.34% | 38.46% | |
| Midland States Bank | State member bank | IL | $6.7 bn | 13.59% | 13.18% | 22.73% | |
| First Bank | State member bank | MO | $6.7 bn | 13.06% | 8.03% | 29.61% | |
| SMBC MANUBANK | State nonmember bank | CA | $6.6 bn | 23.92% | -32.51% | 79.00% | |
. FDIC Call Reports.
Last eight quarters
Two years at Alpine Bank, to : assets +1.8%, deposits +0.2%, equity +19.6%. Staff 837 to 869; offices 46 to 47.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.6 bn | $6.5 bn | $6.7 bn | $6.6 bn | $6.8 bn | $6.9 bn | $6.8 bn | $6.7 bn |
| Total deposits | $5.9 bn | $5.8 bn | $6.0 bn | $5.9 bn | $6.1 bn | $6.1 bn | $6.0 bn | $5.9 bn |
| Bank equity capital | $603.8 mn | $595.6 mn | $615.0 mn | $629.0 mn | $652.7 mn | $696.3 mn | $710.6 mn | $722.3 mn |
| CET1 ratio | 14.15% | 14.22% | 14.13% | 14.08% | 14.31% | 14.88% | 15.24% | 15.21% |
| Return on equity (ROE) | 9.42% | 9.66% | 10.48% | 11.43% | 11.88% | 12.20% | 12.51% | 12.34% |
| Uninsured share of domestic deposits | 40.24% | 40.73% | 42.08% | 43.12% | 39.09% | 38.61% | 38.56% | 38.46% |
| Full-time equivalent employees | 837 | 850 | 846 | 840 | 845 | 866 | 842 | 869 |
| Number of offices | 46 | 47 | 47 | 47 | 47 | 47 | 47 | 47 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Alpine Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Alpine Bank?
Alpine Bank reported $6.7 bn at in its Call Report. That makes Alpine Bank the 228th largest of 497 banks in our US coverage.
Is Alpine Bank the same as its holding company?
No. This page covers Alpine Bank, FDIC certificate 23091; ALPINE BANKS OF COLORADO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Alpine Bank profitable?
Alpine Bank reported net income of $43.8 mn for the year to ; annualized return on equity: 12.34%. So yes: Alpine Bank made a profit over these months.
When is data for Alpine Bank next updated?
Figures from Alpine Bank for are due after .
Where can I check the figures for Alpine Bank?
In the FDIC BankFind Suite record for certificate 23091, and in the Call Reports of Alpine Bank (RSSD ID 260055) at the FFIEC Central Data Repository.