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Overview / Commentary
2225 Main Street
Alamosa, CO 81101

Alamosa State Bank is headquartered in Alamosa and is the 41st largest bank in the state of Colorado. It is also the 3,011st largest bank in the nation. It was established in 1907 and as of June of 2014, it had grown to 36 employees at 2 locations. Alamosa State Bank has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Alamosa State Bank had $51,000 in non-current loans and owned real-estate with $19.52 million in equity and loan loss allowances on hand to cover it. This gives Alamosa State Bank a Texas Ratio of 0.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Alamosa State Bank decreased dramatically from 1.96% as of June 30, 2013 to 0.26% as of June 30, 2014, resulting in a positive change of 86.68%.This indicates that the balance sheet and financial strength for Alamosa State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Alamosa State Bank has increased its total deposits by $14.79 million, resulting in 8.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alamosa State Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alamosa State Bank has $202.65 million in assets with $19.52 million in equity, resulting in a capitalization level of 9.64%, which is above average.

Institution Statistics

FDIC Certificate #13947
Year Established1907
Primary RegulatorFDIC
Assets and Liabilities
Assets$202.65 million
Loans$98.86 million
Deposits$184.20 million
Equity Capital$17.99 million
Loan Loss Allowance$1.54 million
Unbacked Noncurrent Loans$51,000
Real Estate Owned$0
Historic Data - June 2013
Assets$187.00 million
Equity Capital$17.10 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$51,000
Real Estate Owned$300,000
Profit Margin - Quarterly
Return on Assets1.67%
Return on Equity18.43%
Interest Income$3.31 million

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Alamosa State Bank Locations
Alamosa State Bank2225 Main StreetAlamosa, CO 81101
Alamosa Main Street Branch601 Main StreetAlamosa, CO 81101