Alpine Capital Bank

680 Fifth Avenue, 7th Floor
New York, NY 10019


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35377
Date Established 2000
Assets $0.28 billion
Loans $0.10 billion
Deposits $0.23 billion
Capital $0.05 billion

Alpine Capital Bank is an FDIC insured institution located in New York, NY. It was founded in 2000 and has approximately $0.28 billion in assets.

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.

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 7.71
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 45.32
Commercial Real Estate 19.43
Commercial and Industrial Loans 11.73
Farm Loans 0.00

Deposit Rates - July 23, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for Alpine Capital Bank, but see these great savings and CD rates:

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Loan Rates - July 23, 2018

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 2018

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Triumph Bank
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4.250% 4.250% 0.00 $0 $1,230 Learn More
HomeDirect Mortgage
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4.509% 4.500% 0.13 $367 $1,267 Learn More
Federated Mortgage Corp
NMLS ID: 101475
4.280% 4.250% 0.00 $890 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

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

Note to Alpine Capital Bank
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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
0.89% 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 Capital Bank had $453,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $45,264,000 in equity and $5,560,000 in loans loss reserves. That gives it a Texas Ratio of 0.89%.

Return on Equity
Alpine Capital Bank U.S. Bank Average
9.74% 9.35%

Alpine Capital Bank has a Return on Equity of 9.74% 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.

Alpine Capital Bank U.S. Bank Average
16.39% 12.01%

Alpine Capital Bank has a Capitalization of 16.39% 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 Capital Bank Balance Sheet Analysis

As of March 31, 2018, Alpine Capital Bank had assets of $276,169,000, loans of $103,530,000, and deposits of $227,158,000. 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

Cash & Balances due from depository institutions $0.14 billion
Interest-bearing balances $0.14 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 billion
Loan loss allowance $0.01 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 $0.00 billion
All other assets $0.00 billion
     Total Assets $0.23 billion
Total deposits $0.23 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.23 billion
      % insured (estimated) 39.83%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

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 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?

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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?

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Is Alpine Capital Bank open on Saturdays?

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Are Alpine Capital Bank ATMs Open 24/7?

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Does Alpine Capital Bank require US citizenship to open account?

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What is Alpine Capital Bank's ACH Routing Number?

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Does Alpine Capital Bank offer mortgages?

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

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Does Alpine Capital Bank offer personal loans?

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Does Alpine Capital Bank offer student loans?

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Background on The Bank

Who owns Alpine Capital Bank?

How long has Alpine Capital Bank been around?

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Where is Alpine Capital Bank headquarters?

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