Alpine Bank

Headquarters

2200 Grand Avenue
Glenwood Springs, CO 81601
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD 0.10% 2.02% →
2-Year CD 0.10% 2.87% →
5-Year CD 1.00% 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Alpine Bank is an FDIC insured institution located in Glenwood Springs, CO. It was founded in 1980 and has approximately $6.21 billion in assets. Customers can open an account at one of its 44 branches.

FDIC Insured Yes
FDIC Certificate # 23091
Date Established 1980
Assets $ 6.21 billion
Loans $ 3.36 billion
Deposits $ 5.64 billion
Capital $ 506.58 million
 

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

Deposit Rates - July 3, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.01% $2,500 $2,999 Learn More
Money Market
0.01% $10,000 $14,999 Learn More
Money Market
0.01% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.05% $10,000 $14,999 Learn More
6 Mo CD
0.05% $100,000 $199,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.10% $10,000 $14,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.10% $10,000 $14,999 Learn More
24 Mo CD
0.10% $100,000 $199,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.30% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $99 Learn MoreShow Less
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - July 3, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alpine 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 2022

Lender APR Rate (%) Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.887% 5.750%
1.00 points
$3,750 fees
$1,459 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
5.955% 5.875%
0.75 points
$2,155 fees
$1,479 Learn More
Morty, Inc.
NMLS ID: 1429243
4.817% 4.750%
0.75 points
$1,940 fees
$1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
5.750% 5.625%
0.88 points
$3,438 fees
$1,440 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.240 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Alpine Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Alpine 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


Alpine Bank Locations



Climate Initiatives

Alpine Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Alpine Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alpine 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
Alpine Bank U.S. Bank Average
0.79% 3.95%

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 December 31, 2021, Alpine Bank had $3,152,000 in non-current loans and $1,170,000 in owned real estate. To cover these potential losses it had $506,581,000 in equity and $42,213,000 in loans loss reserves. That gives it a Texas Ratio of 0.79%.

Return on Equity
Alpine Bank U.S. Bank Average
13.11% 10.50%

Alpine Bank has a Return on Equity of 13.11% versus the BestCashCow average of 10.50%. 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.

Capitalization
Alpine Bank U.S. Bank Average
8.15% 11.55%

Alpine Bank has a Capitalization of 8.15% versus the BestCashCow average of 11.55. 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.

Alpine Bank Balance Sheet Analysis

As of December 31, 2021, Alpine Bank had assets of $6,214,399,000, loans of $3,356,490,000, and deposits of $5,635,145,000. 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

December 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 861.77 million
Interest-bearing balances $ 785.19 million
Total securities $ 1,742.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.36 billion
Loan loss allowance $ 42.21 million
Trading account assets $ 7.67 million
Bank premises and fixed assets N.A.
Other real estate owned $ 1.17 million
Goodwill and other intangibles $ 17.63 million
All other assets $ 140.15 million
     Total Assets $ 5.71 billion
LIABILITIES
Total deposits $ 5.64 billion
      Interest-bearing deposits $ 3.39 billion
      Deposits held in domestic offices $ 5.64 billion
      % insured (estimated) 54.30%
Federal funds purchased and repurchase agreements $ 9.08 million
Trading liabilities $ 7.70 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 55.90 million
      Total Liabilities $ 5.71 billion
      Shareholders’ Equity $ 506.58 million

Summary Income Statement

December 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 178.68 million
Total Interest Expense $ 1.40 million
Net interest income $ 177.28 million
Provision for loan and lease losses $ 5.23 million
Total non interest income $ 48.54 million
Total non interest expense $ 140.74 million
Pre-tax Net Operating Income $ 79.84 million

Bank Loan Profile?

The top three loan types in Alpine Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Alpine 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 43.00
Multifamily
Mortgages
2.82
Credit Card Loans 0.14
Consumer Auto Loans 0.45
Small Business Loans 7.95
Construction and Development Loans 12.78
Commercial Real Estate 30.76
Commercial and Industrial Loans 7.07
Farm Loans 0.00

Customer Reviews for Alpine Bank


  • February 14, 2021 |

    This is the worst bank I’ve ever had the displeasure of using. Horrible customer service after hours or on weekends and they just will not invest the capitol to ensure their customers can speak to a representative if they have an issue. The quality of tellers is seriously lacking, there seems to be a huge disconnect between the tellers professionalism and the bank presidents.. I rarely see any administration running their crew, I just see a lot of young people running rouge with bad attitudes and terrible service routinely. I don’t see improvement over the years and have finally given up and opened a first bank account. The online app is buggy, the “leave a message” option doesn’t work if you use the website. If you want to be frustrated and have terrible teller service as well as nonexistent customer service after hours or weekend, this is your place. This bank is not good and if I could give them no stars I would.

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