Alamosa State Bank

2225 Main Street
Alamosa, CO 81101

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13947
Date Established 1907
Assets $0.24 billion
Loans $0.13 billion
Deposits $0.22 billion
Capital $0.02 billion

Alamosa State Bank is an FDIC insured institution located in Alamosa, CO. It was founded in 1907 and has approximately $0.24 billion in assets. Customers can open an account at one of its 2 branches.

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.

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, Alamosa State Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.01
Multifamily
Mortgages
6.12
Credit Card Loans 0.16
Consumer Auto Loans 3.92
Small Business Loans 15.33
Construction and Development Loans 2.76
Commercial Real Estate 24.79
Commercial and Industrial Loans 12.65
Farm Loans 12.62

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K
0.10% $500 $34,999 Learn MoreShow Less
3 Mo CD 100K
0.15% $100,000 - Learn MoreShow Less
06MCD10K
0.15% $500 $34,999 Learn MoreShow Less
6 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
vLoan
NMLS ID: 2229
License#: MC-5591
4.078% 4.000% 0.38 $2,345 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Alamosa State Bank
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Branches

Alamosa State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Alamosa State Bank Locations

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 BestCashCow.com 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
0.03% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Alamosa State Bank had $6,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,779,000 in equity and $1,919,000 in loans loss reserves. That gives it a Texas Ratio of 0.03%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Alamosa State Bank U.S. Bank Average
20.11% 8.58

Alamosa State Bank has a Return on Equity of 20.11% versus the BestCashCow average of 8.58. 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.

Capitalization
Alamosa State Bank U.S. Bank Average
9.15% 12.11

Alamosa State Bank has a Capitalization of 9.15% versus the BestCashCow average of 12.11. 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, 2017, Alamosa State Bank had assets of $237,973,000, loans of $126,695,000, and deposits of $215,704,000. 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.

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?

Yes

Where are Alamosa State Bank locations?

See branch locations nearby.

Is Alamosa State Bank open on Saturdays?

Is Alamosa State Bank open on Sundays?

What time does Alamosa State Bank open?

What time does Alamosa State Bank close?

Are Alamosa State Bank ATMs Open 24/7?

Do Alamosa State Bank ATMs accept cash deposits?

Can Alamosa State Bank customers use other ATMs?

Do Alamosa State Bank branches have notaries?

Will Alamosa State Bank notarize my document?

What address for Alamosa State Bank should I put for incoming ACH transfers?

Will the Alamosa State Bank branch print checks?

Do Alamosa State Bank checks expire?

Does Alamosa State Bank require US citizenship to open account?

Can Alamosa State Bank close my account?

Does Alamosa State Bank Report to credit bureaus?

Does Alamosa State Bank Use Equifax?

What is Alamosa State Bank's ACH Routing Number?

What is Alamosa State Bank's SWIFT code?

Products

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?

Will Alamosa State Bank cash a check?

Will Alamosa State Bank redeem a savings bond?

Does Alamosa State Bank cash savings bonds?

Will Alamosa State Bank cash money orders?

Can Alamosa State Bank issue a money order?

Does Alamosa State Bank do currency exchange?

Background on The Bank

Who owns Alamosa State Bank?

How long has Alamosa State Bank been around?

Can Alamosa State Bank transfer to other banks?

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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