BlastPoint's Banking Scorecard
Alpine Bank
Mid-Market
Specialty: Commercial
CO
FDIC cert 23091
Designations: ✓ Community bank
Glenwood Springs, CO
201
banks in Mid-Market tier nationally
3 in CO
View Mid-Market leaderboard (CO) →
Alpine Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20% in Mid-Market
- - Credit Risk Growth: Bottom 35% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+5.0% YoY
+0.5% QoQ
|
-$3.6B |
$10.5B
+2.9% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$4.3B
+7.0% YoY
+2.3% QoQ
|
-$2.8B |
$7.1B
+4.5% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$6.1B
+3.9% YoY
-0.1% QoQ
|
-$2.5B |
$8.5B
+3.0% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.16%
+35.3% YoY
+4.5% QoQ
|
0 |
1.16%
+9.4% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.72%
+16.7% YoY
+1.6% QoQ
|
+0.33% |
3.40%
+7.9% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
64.39%
-9.5% YoY
-0.8% QoQ
|
+7.79% |
56.60%
-3.2% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.25%
+71.4% YoY
+16.7% QoQ
|
-0.43% |
0.68%
+12.0% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
70.67%
+2.9% YoY
+2.4% QoQ
|
-14.80% |
85.47%
+1.1% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
30.17%
-0.8% YoY
-5.0% QoQ
|
+9.53% |
20.64%
-0.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.49%
+13.3% YoY
+4.5% QoQ
|
0 |
0.50%
+7.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
14.88%
+4.7% YoY
+4.0% QoQ
|
+1.33% |
13.55%
+1.8% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.81%
+3.7% YoY
+39.8% QoQ
|
-0.15% |
0.96%
+7.1% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#7 of 50 · Top 12% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Quality Pressure
risk
#23 of 113 · Bottom 20% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#31 of 87 · Bottom 35% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 30.17% · Tier avg: 20.64%
79
79th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
79
79th pctile
Tier 1 Capital Ratio
Current: 14.88% · Tier avg: 13.55%
66
66th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.96%
64
64th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.40%
50
50th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
39
39th pctile
Total Deposits
Current: $6.1B · Tier avg: $8.5B
30
30th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
24
24th pctile
Efficiency Ratio
Current: 64.39% · Tier avg: 56.60%
23
23th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
16
16th pctile
Loan-to-Deposit Ratio
Current: 70.67% · Tier avg: 85.47%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 70.67% · Tier avg: 85.47%
23
23th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
24
24th pctile
Efficiency Ratio
Current: 64.39% · Tier avg: 56.60%
30
30th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
39
39th pctile
Total Deposits
Current: $6.1B · Tier avg: $8.5B
43
43th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
50
50th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
64
64th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.40%
66
66th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.96%
79
79th pctile
Tier 1 Capital Ratio
Current: 14.88% · Tier avg: 13.55%
79
79th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 30.17% · Tier avg: 20.64%