| Metric | Alpine Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.8% | +4.4% | +14.4 pts |
| Deposit growth (YoY) | +23.8% | +4.0% | +19.9 pts |
| Loan growth (YoY) | +67.5% | +5.6% | +61.9 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 4.6% | 11.9% | -7.3 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $237.3M | $201.0M | $135.6M | $33.9M | $778K | 0.68% | 4.40% | 0.00% |
| Q1 2026 | $224.8M | $187.7M | $123.7M | $34.3M | $313K | 0.56% | 4.21% | 0.00% |
| Q4 2025 | $221.6M | $184.8M | $105.1M | $34.0M | $315K | 0.15% | 3.93% | 0.00% |
| Q3 2025 | $206.2M | $169.4M | $101.7M | $33.7M | $146K | 0.09% | 3.87% | 0.00% |
| Q2 2025 | $199.8M | $162.3M | $81.0M | $33.6M | $110K | 0.11% | 3.84% | 0.00% |
| Q1 2025 | $215.5M | $178.6M | $70.1M | $33.4M | $49K | 0.09% | 3.62% | 0.00% |
| Q4 2024 | $200.2M | $163.5M | $60.5M | $33.3M | $2.6M | 1.32% | 4.84% | 0.00% |
| Q3 2024 | $181.8M | $145.0M | $46.1M | $33.0M | $2.4M | 1.63% | 5.22% | 0.00% |
Loan mix (Q2 2026): real estate $124.4M · commercial $12.1M · consumer $0 · securities $8.2M
| Ratio | Alpine Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 62.9% | 73th |
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 Capital 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 Capital 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 Capital 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 Capital 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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