BlastPoint's Banking Scorecard
Alpine Capital Bank
Micro
Specialty: Commercial
NY
FDIC cert 35377
Designations: ✓ Community bank
New York, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Alpine Capital Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 19.97% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.6M
+10.7% YoY
+7.4% QoQ
|
+$4.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$105.1M
+73.9% YoY
+3.4% QoQ
|
-$34.1M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$184.8M
+13.1% YoY
+9.1% QoQ
|
+$1.2M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.15%
-88.6% YoY
+59.3% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.93%
-18.6% YoY
+1.7% QoQ
|
+0.08% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
87.61%
+48.3% YoY
-2.3% QoQ
|
+19.88% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
56.86%
+53.8% YoY
-5.2% QoQ
|
-17.67% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
19.31%
+16.1% YoY
+11.0% QoQ
|
-3.08% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
28.82%
-36.7% YoY
-3.8% QoQ
|
+19.97% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.07%
-86.8% YoY
+29.1% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
28.82%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Tier 1 Capital Ratio
Current: 28.82% · Tier avg: 8.85%
56
56th pctile
Total Assets
Current: $221.6M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $184.8M · Tier avg: $183.7M
55
55th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.85%
45
45th pctile
Total Loans
Current: $105.1M · Tier avg: $139.2M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.31% · Tier avg: 22.39%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.86% · Tier avg: 74.53%
11
11th pctile
Efficiency Ratio
Current: 87.61% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.61% · Tier avg: 67.73%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.86% · Tier avg: 74.53%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.31% · Tier avg: 22.39%
45
45th pctile
Total Loans
Current: $105.1M · Tier avg: $139.2M
55
55th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.85%
56
56th pctile
Total Deposits
Current: $184.8M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $221.6M · Tier avg: $217.5M
96
96th pctile
Tier 1 Capital Ratio
Current: 28.82% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%