Alpine Bank & Trust Co.

1700 N Alpine Rd
Rockford, IL 61107

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18545
Date Established 1962
Assets $1.34 billion
Loans $0.80 billion
Deposits $1.13 billion
Capital $0.17 billion

Alpine Bank & Trust Co. is an FDIC insured institution located in Rockford, IL. It was founded in 1962 and has approximately $1.34 billion in assets. Customers can open an account at one of its 20 branches.

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.

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 18.75
Multifamily
Mortgages
3.66
Credit Card Loans 0.10
Consumer Auto Loans 7.71
Small Business Loans 6.59
Construction and Development Loans 4.73
Commercial Real Estate 32.93
Commercial and Industrial Loans 15.77
Farm Loans 1.91

Deposit Rates - July 18, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $10,000 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.10% $50,000 - Learn MoreShow Less
6 Mo CD 10K
0.15% $10,000 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.15% $50,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.90% $50 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.02% $1,000 $4,999 Learn MoreShow Less
MM 10K
0.07% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.08% $25,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.07% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.08% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1,000 $4,999 Learn MoreShow Less

Loan Rates - July 18, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triumph Bank
NMLS ID: 1339905
4.281% 4.250% 0.38 $938 $1,230 Learn More
Federated Mortgage Corp
NMLS ID: 101475
4.520% 4.490% 0.00 $890 $1,266 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

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

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:
Ashburn,Virginia


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
0.15% 7.92%

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 March 31, 2018, Alpine Bank & Trust Co. had $206,000 in non-current loans and $53,000 in owned real estate. To cover these potential losses it had $174,910,000 in equity and $6,000 in loans loss reserves. That gives it a Texas Ratio of 0.15%.

Return on Equity
Alpine Bank & Trust Co. U.S. Bank Average
4.96% 9.35%

Alpine Bank & Trust Co. has a Return on Equity of 4.96% versus the BestCashCow average of 9.35%. 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
13.04% 12.01%

Alpine Bank & Trust Co. has a Capitalization of 13.04% versus the BestCashCow average of 12.01. 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 March 31, 2018, Alpine Bank & Trust Co. had assets of $1,341,105,000, loans of $795,203,000, and deposits of $1,127,230,000. 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

ASSETS
Cash & Balances due from depository institutions $0.10 billion
Interest-bearing balances $0.07 billion
Total securities $0.30 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.80 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 $0.09 billion
All other assets $0.03 billion
     Total Assets $1.17 billion
LIABILITIES
Total deposits $1.13 billion
      Interest-bearing deposits $1.01 billion
      Deposits held in domestic offices $1.13 billion
      % insured (estimated) 85.09%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $1.17 billion
      Shareholders’ Equity $0.17 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 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

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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