Alpine Capital Bank


680 Fifth Avenue, 7th Floor
New York, NY 10019
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 0.85% →
1-Year CD 0.07% 0.75% →
2-Year CD 0.15% 0.80% →
5-Year CD 0.20% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Alpine Capital Bank is an FDIC insured institution located in New York, NY. It was founded in 2000 and has approximately $0.27 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35377
Date Established 2000
Assets $ 267.58 million
Loans $ 103.10 million
Deposits $ 211.63 million
Capital $ 53.20 million

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

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.01% $1 - Learn More
Money Market
0.01% $1 - Learn More
6 Mo CD
0.04% $100,000 - Learn More
12 Mo CD
0.07% $100,000 - Learn More
24 Mo CD
0.15% $100,000 - Learn More
36 Mo CD
0.15% $100,000 - Learn More
60 Mo CD
0.20% $100,000 - Learn More


Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alpine Capital 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 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.904% 2.875%
0.38 points
$928 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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


Alpine Capital 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:

Alpine Capital Bank Locations

Climate Initiatives

Alpine Capital 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 Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alpine Capital 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 Capital Bank U.S. Bank Average
5.99% 4.78%

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 June 30, 2021, Alpine Capital Bank had $3,498,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $53,197,000 in equity and $5,202,000 in loans loss reserves. That gives it a Texas Ratio of 5.99%.

Return on Equity
Alpine Capital Bank U.S. Bank Average
4.02% 11.29%

Alpine Capital Bank has a Return on Equity of 4.02% versus the BestCashCow average of 11.29%. 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 Capital Bank U.S. Bank Average
19.88% 11.72%

Alpine Capital Bank has a Capitalization of 19.88% versus the BestCashCow average of 11.72. 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 Capital Bank Balance Sheet Analysis

As of June 30, 2021, Alpine Capital Bank had assets of $267,575,000, loans of $103,095,000, and deposits of $211,626,000. 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, 2021
Cash & Balances due from depository institutions $ 111.15 million
Interest-bearing balances $ 110.88 million
Total securities $ 51.79 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 103.10 million
Loan loss allowance $ 5.20 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.54 million
     Total Assets $ 214.38 million
Total deposits $ 211.63 million
      Interest-bearing deposits $ 122.41 million
      Deposits held in domestic offices $ 211.63 million
      % insured (estimated) 33.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.75 million
      Total Liabilities $ 214.38 million
      Shareholders’ Equity $ 53.20 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 3.37 million
Total Interest Expense $ 0.09 million
Net interest income $ 3.29 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.17 million
Total non interest expense $ 2.33 million
Pre-tax Net Operating Income $ 1.13 million

Bank Loan Profile?

The top three loan types in Alpine Capital Bank’s loan portfolio are Construction and Development Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in New York, Alpine Capital Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 2.17
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.84
Construction and Development Loans 58.21
Commercial Real Estate 16.17
Commercial and Industrial Loans 14.08
Farm Loans 0.00

Frequently Asked Questions About Alpine Capital Bank

Branches and Savings

Is Alpine Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35377.

Why does Alpine Capital Bank pay such low interest on savings accounts?

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

Why are Alpine Capital Bank CD rates not competitive?

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

Is Alpine Capital Bank a commercial bank?


Where are Alpine Capital Bank locations?

See branch locations nearby.

Is Alpine Capital Bank open on Saturdays?

Is Alpine Capital Bank open on Sundays?

What time does Alpine Capital Bank open?

What time does Alpine Capital Bank close?

Are Alpine Capital Bank ATMs Open 24/7?

Do Alpine Capital Bank ATMs accept cash deposits?

Can Alpine Capital Bank customers use other ATMs?

Do Alpine Capital Bank branches have notaries?

Will Alpine Capital Bank notarize my document?

What address for Alpine Capital Bank should I put for incoming ACH transfers?

Will the Alpine Capital Bank branch print checks?

Do Alpine Capital Bank checks expire?

Does Alpine Capital Bank require US citizenship to open account?

Can Alpine Capital Bank close my account?

Does Alpine Capital Bank Report to credit bureaus?

Does Alpine Capital Bank Use Equifax?

What is Alpine Capital Bank's ACH Routing Number?

What is Alpine Capital Bank's SWIFT code?


Does Alpine Capital Bank offer mortgages?

Compare mortgage rates here.

Does Alpine Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alpine Capital Bank offer personal loans?

Compare personal loan rates here.

Does Alpine Capital Bank offer student loans?

Will Alpine Capital Bank cash a check?

Will Alpine Capital Bank redeem a savings bond?

Does Alpine Capital Bank cash savings bonds?

Will Alpine Capital Bank cash money orders?

Can Alpine Capital Bank issue a money order?

Does Alpine Capital Bank do currency exchange?

Background on The Bank

Who owns Alpine Capital Bank?

How long has Alpine Capital Bank been around?

Can Alpine Capital Bank transfer to other banks?

Does Alpine Capital Bank have quick pay?

Does Alpine Capital Bank accept rolled coins?

Will Alpine Capital Bank accept loose change?

Where is Alpine Capital Bank headquarters?

Customer Reviews for Alpine Capital Bank

There are currently no comments for Alpine Capital Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →