Alpine Bank & Trust Co.

Headquarters

1700 N Alpine Rd
Rockford, IL 61107
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Alpine Bank & Trust Co. is an FDIC insured institution located in Rockford, IL. It was founded in 1962 and has approximately $1.32 billion in assets. Customers can open an account at one of its 20 branches.

FDIC Insured Yes
FDIC Certificate # 18545
Date Established 1962
Assets $ 1,341.11 million
Loans $ 781.23 million
Deposits $ 1,109.73 million
Capital $ 183.26 million
 

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

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Alpine Bank & Trust Co.

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
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AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
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Branches

Alpine Bank & Trust Co. 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:
Fairfield,Connecticut


Alpine Bank & Trust Co. Locations


Financial Details

Alpine Bank & Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alpine Bank & Trust Co.. 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 & Trust Co. U.S. Bank Average
0.14% 6.51%

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, 2019, Alpine Bank & Trust Co. had $209,000 in non-current loans and $53,000 in owned real estate. To cover these potential losses it had $183,259,000 in equity and $23,000 in loans loss reserves. That gives it a Texas Ratio of 0.14%.

Return on Equity
Alpine Bank & Trust Co. U.S. Bank Average
4.96% 9.41%

Alpine Bank & Trust Co. has a Return on Equity of 4.96% versus the BestCashCow average of 9.41%. 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 & Trust Co. U.S. Bank Average
13.66% 12.82%

Alpine Bank & Trust Co. has a Capitalization of 13.66% versus the BestCashCow average of 12.82. 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 & Trust Co. Balance Sheet Analysis

As of June 30, 2018, Alpine Bank & Trust Co. had assets of $1,320,279,000, loans of $781,226,000, and deposits of $1,109,727,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $ 81.20 million
Interest-bearing balances $ 56.55 million
Total securities $ 271.63 million
Federal funds sold and reverse repurchase $ 40.01 million
Net loans and leases $ 781.23 million
Loan loss allowance $ 0.02 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles $ 95.48 million
All other assets $ 32.88 million
     Total Assets $ 1,137.02 million
LIABILITIES
Total deposits $ 1,109.73 million
      Interest-bearing deposits $ 978.48 million
      Deposits held in domestic offices $ 1,109.73 million
      % insured (estimated) 82.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 17.88 million
Subordinated debt N.A.
All other liabilities $ 9.41 million
      Total Liabilities $ 1,137.02 million
      Shareholders’ Equity $ 204.09 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 18.40 million
Total Interest Expense $ 1.15 million
Net interest income $ 17.25 million
Provision for loan and lease losses N.A.
Total non interest income $ 7.02 million
Total non interest expense $ 10.69 million
Pre-tax Net Operating Income $ 13.57 million

Bank Loan Profile?

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

Compared to other banks, Alpine Bank & Trust Co.’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 17.73
Multifamily
Mortgages
3.43
Credit Card Loans 0.09
Consumer Auto Loans 7.73
Small Business Loans 6.81
Construction and Development Loans 4.80
Commercial Real Estate 33.43
Commercial and Industrial Loans 15.40
Farm Loans 2.27

Frequently Asked Questions About Alpine Bank & Trust Co.

Branches and Savings

Is Alpine Bank & Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #18545.

Why does Alpine Bank & Trust Co. pay such low interest on savings accounts?

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

Why are Alpine Bank & Trust Co. CD rates not competitive?

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

Is Alpine Bank & Trust Co. a commercial bank?

Yes

Where are Alpine Bank & Trust Co. locations?

See branch locations nearby.

Is Alpine Bank & Trust Co. open on Saturdays?

Is Alpine Bank & Trust Co. open on Sundays?

What time does Alpine Bank & Trust Co. open?

What time does Alpine Bank & Trust Co. close?

Are Alpine Bank & Trust Co. ATMs Open 24/7?

Do Alpine Bank & Trust Co. ATMs accept cash deposits?

Can Alpine Bank & Trust Co. customers use other ATMs?

Do Alpine Bank & Trust Co. branches have notaries?

Will Alpine Bank & Trust Co. notarize my document?

What address for Alpine Bank & Trust Co. should I put for incoming ACH transfers?

Will the Alpine Bank & Trust Co. branch print checks?

Do Alpine Bank & Trust Co. checks expire?

Does Alpine Bank & Trust Co. require US citizenship to open account?

Can Alpine Bank & Trust Co. close my account?

Does Alpine Bank & Trust Co. Report to credit bureaus?

Does Alpine Bank & Trust Co. Use Equifax?

What is Alpine Bank & Trust Co.'s ACH Routing Number?

What is Alpine Bank & Trust Co.'s SWIFT code?

Products

Does Alpine Bank & Trust Co. offer mortgages?

Compare mortgage rates here.

Does Alpine Bank & Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alpine Bank & Trust Co. offer personal loans?

Compare personal loan rates here.

Does Alpine Bank & Trust Co. offer student loans?

Will Alpine Bank & Trust Co. cash a check?

Will Alpine Bank & Trust Co. redeem a savings bond?

Does Alpine Bank & Trust Co. cash savings bonds?

Will Alpine Bank & Trust Co. cash money orders?

Can Alpine Bank & Trust Co. issue a money order?

Does Alpine Bank & Trust Co. do currency exchange?

Background on The Bank

Who owns Alpine Bank & Trust Co.?

How long has Alpine Bank & Trust Co. been around?

Can Alpine Bank & Trust Co. transfer to other banks?

Does Alpine Bank & Trust Co. have quick pay?

Does Alpine Bank & Trust Co. accept rolled coins?

Will Alpine Bank & Trust Co. accept loose change?

Where is Alpine Bank & Trust Co. headquarters?

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