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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 311st largest bank in the nation. It was established in 1980 and as of March of 2014, it had grown to 529 employees at 42 locations. Alpine Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

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 Alpine Bank had $26.46 million in non-current loans and owned real-estate with $267.48 million in equity and loan loss allowances on hand to cover it. This gives Alpine Bank a Texas Ratio of 9.89% which is excellent. 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 25.92% as of March 31, 2013 to 9.89% as of March 31, 2014, resulting in a positive change of 61.83%.This indicates that the balance sheet and financial strength for Alpine Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Alpine Bank has increased its total deposits by $80.64 million, resulting in 4.04% 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 excellent.

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 $2.39 billion in assets with $267.48 million in equity, resulting in a capitalization level of 11.21%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23091
Year Established1980
Employees529
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.39 billion
Loans$1.47 billion
Deposits$2.08 billion
Equity Capital$234.01 million
Loan Loss Allowance$33.47 million
Unbacked Noncurrent Loans$10.94 million
Real Estate Owned$15.53 million
Historic Data - March 2013
Assets$2.33 billion
Equity Capital$254.35 million
Loan Loss Allowance$32.60 million
Unbacked Noncurrent Loans$10.94 million
Real Estate Owned$54.20 million
Profit Margin - Quarterly
Net Interest Margin4.2%
Return on Assets1.05%
Return on Equity9.97%
Interest Income$22.91 million
Rates

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Locations

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