| Metric | Alpine Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -5.0 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 12.3% | 12.2% | +0.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.69B | $5.91B | $4.43B | $722.3M | $43.8M | 1.29% | 3.94% | 0.21% |
| Q1 2026 | $6.79B | $6.00B | $4.30B | $710.6M | $22.0M | 1.29% | 3.84% | 0.21% |
| Q4 2025 | $6.85B | $6.08B | $4.30B | $696.3M | $77.8M | 1.16% | 3.72% | 0.49% |
| Q3 2025 | $6.82B | $6.09B | $4.20B | $652.7M | $55.5M | 1.11% | 3.67% | 0.47% |
| Q2 2025 | $6.60B | $5.90B | $4.17B | $629.0M | $35.0M | 1.06% | 3.62% | 0.50% |
| Q1 2025 | $6.66B | $5.97B | $4.08B | $615.0M | $15.9M | 0.96% | 3.53% | 0.49% |
| Q4 2024 | $6.52B | $5.85B | $4.02B | $595.6M | $56.0M | 0.86% | 3.19% | 0.44% |
| Q3 2024 | $6.58B | $5.89B | $3.99B | $603.8M | $40.6M | 0.83% | 3.12% | 0.42% |
Loan mix (Q2 2026): real estate $4.11B · commercial $165.3M · consumer $57.4M · securities $1.67B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alpine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 59.0% | 58th |
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 | Alpine 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 | Alpine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Alpine 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 | Alpine 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 | Alpine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
44 branches in 16 counties across 1 state (+0 vs 2024) · $5.90B branch deposits. Biggest market: Garfield, CO, ranked 1st with 58.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Garfield, CO | 9 | $1.36B | 58.82% | 1st |
| Pitkin, CO | 3 | $792.9M | 43.96% | 1st |
| Eagle, CO | 7 | $769.2M | 44.67% | 1st |
| 13 more counties with Pro → | ||||
Colorado: 6th with 2.93% · Grand Junction metro: 1st, 15.32% · Denver-Aurora-Centennial metro: 31st, 0.40% ·
Branch count: 2022 41 · 2023 43 · 2024 44 · 2025 44