Alpine Bank


2200 Grand Ave
Glenwood Springs, CO 81601
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Alpine Bank is an FDIC insured institution located in Glenwood Springs, CO. It was founded in 1980 and has approximately $6.41 billion in assets. Customers can open an account at one of its 44 branches.

FDIC Insured Yes
FDIC Certificate # 23091
Date Established 1980
Assets $ 6.41 billion
Loans $ 4.00 billion
Deposits $ 5.72 billion
Capital $ 560.81 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 - April 17, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - April 17, 2024

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 2024

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
7.463% 7.375%
0.88 points
$2,800 fees
$2,211 Learn More
NMLS ID: Not a Lender

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NMLS ID: Not a Lender

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Neighbors Bank
NMLS ID: 491986

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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Alpine Bank
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Climate Policy and Initiatives

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

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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 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
4.61% 3.96%

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, 2024, Alpine Bank had $27,928,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $560,809,000 in equity and $44,756,000 in loans loss reserves. That gives it a Texas Ratio of 4.61%.

Return on Equity
Alpine Bank U.S. Bank Average
11.86% 12.20%

Alpine Bank has a Return on Equity of 11.86% versus the BestCashCow average of 12.20%. 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.

Alpine Bank U.S. Bank Average
8.74% 10.76%

Alpine Bank has a Capitalization of 8.74% versus the BestCashCow average of 10.76. 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.

Alpine Bank Balance Sheet Analysis

As of December 31, 2023, Alpine Bank had assets of $6,413,583,000, loans of $4,002,374,000, and deposits of $5,720,090,000. 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, 2024
Cash & Balances due from depository institutions $ 223.73 million
Interest-bearing balances $ 103.93 million
Total securities $ 1,868.15 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 4.00 billion
Loan loss allowance $ 44.76 million
Trading account assets $ 8.93 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 17.63 million
All other assets $ 183.28 million
     Total Assets $ 5.85 billion
Total deposits $ 5.72 billion
      Interest-bearing deposits $ 3.97 billion
      Deposits held in domestic offices $ 5.72 billion
      % insured (estimated) 63.94%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 8.95 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 52.16 million
      Total Liabilities $ 5.85 billion
      Shareholders’ Equity $ 560.81 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 273.54 million
Total Interest Expense $ 71.82 million
Net interest income $ 201.71 million
Provision for loan and lease losses $ 3.70 million
Total non interest income $ 46.70 million
Total non interest expense $ 167.83 million
Pre-tax Net Operating Income $ 44.90 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.46
Credit Card Loans 0.12
Consumer Auto Loans 0.40
Small Business Loans 6.63
Construction and Development Loans 12.34
Commercial Real Estate 26.91
Commercial and Industrial Loans 4.97
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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