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Alpine Bank
Glenwood Springs, CO·FDIC Cert #23091·Charter: STATE·Est. 19800401.0·HC: ALPINE BANKS OF COLORADO
Total Assets
$6.9B
Q4 2025
Return on Assets
1.16%
+0.05%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.39%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%+0.05
ROE
12.20%+0.32
Efficiency
64.39%-0.53
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
70.67%+1.66
Charge-offs
0.07%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.8 | 0.9 | 1.0 | 1.1 | 1.1 | 1.2 |
| ROE | 8.7 | 9.0 | 9.4 | 9.7 | 10.5 | 11.4 | 11.9 | 12.2 |
| Efficiency | 75.4 | 74.1 | 72.0 | 71.1 | 68.3 | 66.0 | 64.9 | 64.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 0.1 | 0.1 | 0.3 | 0.3 | 0.2 | 0.3 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 67.1 | 69.2 | 67.7 | 68.7 | 68.4 | 70.6 | 69.0 | 70.7 |
Balance Sheet
Total Assets$6.9B
Total Deposits$6.1B
Total Loans$4.3B
Total Equity$696.3M
Profitability
ROA1.16%
ROE12.20%
Efficiency Ratio64.39%
Net Income$77.8M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.07%
Loan/Deposit70.67%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans