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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 3,178th largest bank in the nation. It was established in 1907 and as of December of 2013, it had grown to 35 employees at 2 locations. Alamosa State Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Alamosa State Bank had $10,000 in non-current loans and owned real-estate with $19.03 million in equity and loan loss allowances on hand to cover it. This gives Alamosa State Bank a Texas Ratio of 0.05% 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 0.54% as of December 31, 2012 to 0.05% as of December 31, 2013, resulting in a positive change of 90.28%.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 $4.66 million, resulting in 2.81% 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 $189.21 million in assets with $19.03 million in equity, resulting in a capitalization level of 10.06%, which is above average.

Institution Statistics

FDIC Certificate #13947
Year Established1907
Primary RegulatorFDIC
Assets and Liabilities
Assets$189.21 million
Loans$92.85 million
Deposits$170.83 million
Equity Capital$17.49 million
Loan Loss Allowance$1.54 million
Unbacked Noncurrent Loans$10,000
Real Estate Owned$0
Historic Data - December 2012
Assets$184.21 million
Equity Capital$17.11 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$10,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.56%
Return on Assets1.63%
Return on Equity17.65%
Interest Income$6.62 million

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