Alamosa State Bank

2225 Main Street
Alamosa, CO 81101

Notable Rates APY Vs.Others
Savings 0.20% 2.30% →
1-Year CD 1.00% 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Alamosa State Bank is an FDIC insured institution located in Alamosa, CO. It was founded in 1907 and has approximately $0.26 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 13947
Date Established 1907
Assets $0.26 billion
Loans $0.13 billion
Deposits $0.23 billion
Capital $0.03 billion

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 - December 10, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
0.60% $500 $34,999 Learn MoreShow Less
3 Mo CD
0.80% $100,000 - Learn MoreShow Less
0.65% $500 $34,999 Learn MoreShow Less
6 Mo CD
0.90% $100,000 - Learn MoreShow Less
0.70% $500 $34,999 Learn MoreShow Less
12 Mo CD
1.00% $100,000 - Learn MoreShow Less

Fixed IRA
0.90% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.15% $1 $9,999 Learn MoreShow Less

Loan Rates - December 10, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($320) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Alamosa State Bank
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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
1.38% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Alamosa State Bank had $393,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,228,000 in equity and $2,156,000 in loans loss reserves. That gives it a Texas Ratio of 1.38%.

Return on Equity
Alamosa State Bank U.S. Bank Average
22.07% 9.50%

Alamosa State Bank has a Return on Equity of 22.07% versus the BestCashCow average of 9.50%. 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
10.23% 12.76%

Alamosa State Bank has a Capitalization of 10.23% versus the BestCashCow average of 12.76. 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, 2019, Alamosa State Bank had assets of $256,366,000, loans of $125,485,000, and deposits of $229,662,000. 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, 2019
Cash & Balances due from depository institutions $0.06 billion
Interest-bearing balances $0.05 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.23 billion
Total deposits $0.23 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.23 billion
      % insured (estimated) 58.36%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.22
Credit Card Loans 0.15
Consumer Auto Loans 4.53
Small Business Loans 13.95
Construction and Development Loans 2.63
Commercial Real Estate 24.34
Commercial and Industrial Loans 9.08
Farm Loans 13.13

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?

See branch locations nearby.

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?

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

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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?

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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?

Will Alamosa State Bank cash a check?

Will Alamosa State Bank redeem a savings bond?

Does Alamosa State Bank cash savings bonds?

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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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