Alamosa State Bank


2225 Main Street
Alamosa, CO 81101
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.70% 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Alamosa State Bank is an FDIC insured institution located in Alamosa, CO. It was founded in 1907 and has approximately $0.34 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 13947
Date Established 1907
Assets $ 341.49 million
Loans $ 138.47 million
Deposits $ 311.05 million
Capital $ 29.94 million

For a more detailed analysis of Alamosa State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Alamosa State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.738% 2.690%
0.63 points
$1,562 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Alamosa State Bank
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Climate Initiatives

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Financial Details

Alamosa State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alamosa State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Alamosa State Bank U.S. Bank Average
0.68% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Alamosa State Bank had $9,000 in non-current loans and $213,000 in owned real estate. To cover these potential losses it had $29,937,000 in equity and $2,476,000 in loans loss reserves. That gives it a Texas Ratio of 0.68%.

Return on Equity
Alamosa State Bank U.S. Bank Average
13.72% 11.29%

Alamosa State Bank has a Return on Equity of 13.72% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Alamosa State Bank U.S. Bank Average
8.77% 11.72%

Alamosa State Bank has a Capitalization of 8.77% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Alamosa State Bank Balance Sheet Analysis

As of June 30, 2021, Alamosa State Bank had assets of $341,490,000, loans of $138,469,000, and deposits of $311,045,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 98.75 million
Interest-bearing balances $ 88.50 million
Total securities $ 99.65 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 138.47 million
Loan loss allowance $ 2.48 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles N.A.
All other assets $ 2.45 million
     Total Assets $ 311.55 million
Total deposits $ 311.05 million
      Interest-bearing deposits $ 227.32 million
      Deposits held in domestic offices $ 311.05 million
      % insured (estimated) 53.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.51 million
      Total Liabilities $ 311.55 million
      Shareholders’ Equity $ 29.94 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 4.61 million
Total Interest Expense $ 0.28 million
Net interest income $ 4.33 million
Provision for loan and lease losses $ 0.09 million
Total non interest income $ 0.24 million
Total non interest expense $ 2.42 million
Pre-tax Net Operating Income $ 2.06 million

Bank Loan Profile?

The top three loan types in Alamosa State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Colorado, Alamosa State Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.44
Credit Card Loans 0.14
Consumer Auto Loans 4.42
Small Business Loans 10.97
Construction and Development Loans 3.11
Commercial Real Estate 25.61
Commercial and Industrial Loans 10.65
Farm Loans 7.63

Frequently Asked Questions About Alamosa State Bank

Branches and Savings

Is Alamosa State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13947.

Why does Alamosa State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Alamosa State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Alamosa State Bank a commercial bank?


Where are Alamosa State Bank locations?

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Is Alamosa State Bank open on Saturdays?

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Are Alamosa State Bank ATMs Open 24/7?

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Will Alamosa State Bank notarize my document?

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Does Alamosa State Bank Report to credit bureaus?

Does Alamosa State Bank Use Equifax?

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Does Alamosa State Bank offer mortgages?

Compare mortgage rates here.

Does Alamosa State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alamosa State Bank offer personal loans?

Compare personal loan rates here.

Does Alamosa State Bank offer student loans?

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Background on The Bank

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Does Alamosa State Bank have quick pay?

Does Alamosa State Bank accept rolled coins?

Will Alamosa State Bank accept loose change?

Where is Alamosa State Bank headquarters?

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