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Overview / Commentary
2225 Main Street
Alamosa, CO 81101

Alamosa State Bank is headquartered in Alamosa and is the 43rd largest bank in the state of Colorado. It is also the 3,119st largest bank in the nation. It was established in 1907 and as of March 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 Q1 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 March 31, 2014 Alamosa State Bank had $0 in non-current loans and owned real-estate with $19.23 million in equity and loan loss allowances on hand to cover it. This gives Alamosa State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Alamosa State Bank has increased its total deposits by $3.65 million, resulting in 2.13% 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 above average.



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 $194.17 million in assets with $19.23 million in equity, resulting in a capitalization level of 9.90%, which is above average.

Institution Statistics

FDIC Certificate #13947
Year Established1907
Primary RegulatorFDIC
Assets and Liabilities
Assets$194.17 million
Loans$93.04 million
Deposits$175.50 million
Equity Capital$17.69 million
Loan Loss Allowance$1.54 million
Real Estate Owned$0
Historic Data - March 2013
Assets$190.10 million
Equity Capital$17.29 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.44%
Return on Assets1.69%
Return on Equity18.47%
Interest Income$1.64 million

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