| Metric | Alamosa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | -0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 2.39% | 1.24% | +1.2 pts |
| ROE | 19.6% | 11.9% | +7.7 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $340.3M | $297.8M | $176.8M | $41.5M | $4.0M | 2.39% | 4.02% | 0.00% |
| Q1 2026 | $326.2M | $283.5M | $171.0M | $40.7M | $1.9M | 2.31% | 3.95% | 0.00% |
| Q4 2025 | $338.2M | $296.1M | $173.3M | $40.5M | $7.0M | 2.08% | 3.85% | 0.01% |
| Q3 2025 | $344.0M | $303.6M | $168.3M | $39.6M | $5.6M | 2.23% | 3.81% | 0.00% |
| Q2 2025 | $336.9M | $298.0M | $168.0M | $38.2M | $3.6M | 2.19% | 3.77% | 0.00% |
| Q1 2025 | $323.9M | $285.5M | $168.9M | $36.6M | $1.8M | 2.17% | 3.72% | 0.00% |
| Q4 2024 | $336.0M | $299.7M | $174.3M | $34.8M | $7.0M | 2.08% | 3.73% | 0.01% |
| Q3 2024 | $341.2M | $304.9M | $167.9M | $35.4M | $5.6M | 2.22% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $140.6M · commercial $13.3M · consumer $7.3M · securities $92.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alamosa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.39% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.9% | 62.9% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Alamosa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Alamosa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Alamosa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Alamosa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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