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Overview / Commentary
2200 Grand Avenue
Glenwood Springs, CO 81601

Alpine Bank is headquartered in Glenwood Springs and is the 4th largest bank in the state of Colorado. It is also the 313st largest bank in the nation. It was established in 1980 and as of December of 2013, it had grown to 509 employees at 42 locations. Alpine Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 Alpine Bank had $32.44 million in non-current loans and owned real-estate with $293.01 million in equity and loan loss allowances on hand to cover it. This gives Alpine Bank a Texas Ratio of 11.07% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Alpine Bank decreased dramatically from 26.00% as of December 31, 2012 to 11.07% as of December 31, 2013, resulting in a positive change of 57.42%.This indicates that the balance sheet and financial strength for Alpine Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
C

In the past year, Alpine Bank has decreased its total deposits by -$48.64 million, resulting in -2.38% 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 Alpine Bank has shown is average.

Capitalization

GRADE:
A+

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. Alpine Bank has $2.32 billion in assets with $293.01 million in equity, resulting in a capitalization level of 12.62%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23091
Year Established1980
Employees509
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.32 billion
Loans$1.47 billion
Deposits$1.99 billion
Equity Capital$259.63 million
Loan Loss Allowance$33.38 million
Unbacked Noncurrent Loans$11.26 million
Real Estate Owned$21.19 million
Historic Data - December 2012
Assets$2.40 billion
Equity Capital$283.99 million
Loan Loss Allowance$34.59 million
Unbacked Noncurrent Loans$11.26 million
Real Estate Owned$52.03 million
Profit Margin - Quarterly
Net Interest Margin4.32%
Return on Assets1.13%
Return on Equity10.03%
Interest Income$92.38 million
Rates

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Locations

Alpine Bank has 39 locations. Click to view all Alpine Bank locations.