BlastPoint's Banking Scorecard

Alpine Bank

$1B-$10B Specialty: Commercial CO FDIC cert 23091

Designations: ✓ Community bank

Glenwood Springs, CO

47 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 7 in CO.
Deposits +0.1% year over year ($5.9B on the books).
Delinquency rate 0.31%.
Return on assets 1.29%.
Efficiency ratio 61.40% vs a 59.73% peer average.
Loan-to-deposit ratio 74.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 7 in CO

View $1B-$10B leaderboard (CO) →

Alpine Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.07% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.3% in tier
- Credit Risk Growth: Bottom 23.6% in tier
- ROA 0.10% below tier average
- Efficiency Ratio 1.68% above tier average

Get updates when Alpine Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$6.7B +1.4% YoY -1.3% QoQ	+$3.9B	$2.8B -0.6% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	Top 7.8% in tier
Total Loans ?	$4.4B +6.2% YoY +2.9% QoQ	+$2.5B	$2.0B -0.3% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	Top 9.5% in tier
Total Deposits ?	$5.9B +0.1% YoY -1.5% QoQ	+$3.6B	$2.3B -0.5% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Top 5.9% in tier
Return on Assets ?	1.29% +21.6% YoY +0.1% QoQ	-0.10%	1.39% +17.0% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	3.94% +9.0% YoY +2.7% QoQ	+0.07%	3.87% +6.2% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	61.40% -7.0% YoY -0.4% QoQ	+1.68%	59.73% -12.6% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.31% +20.6% YoY -4.2% QoQ	-0.55%	0.87% +11.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	74.96% +6.1% YoY +4.5% QoQ	-10.08%	85.04% -0.1% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	30.37% +0.2% YoY -1.0% QoQ	+9.10%	21.27% -1.5% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	Top 14.6% in tier
Nonperforming Asset Ratio ?	0.21% -57.6% YoY -0.0% QoQ	-0.46%	0.67% +11.7% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	15.21% +8.1% YoY -0.2% QoQ	+0.37%	14.84% -0.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.48% +22.7% YoY +83.1% QoQ	-0.05%	0.53% +2.5% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	30.4% +0.1pp YoY -0.3pp QoQ	+9.0pp	21.4%	23.5%	22.2%	85%
Brokered Deposits	0.4% -2.3pp YoY 0.0pp QoQ	-9.0pp	9.5%	7.4%	8.5%	11%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	3.7% 0.0pp YoY 0.0pp QoQ	-10.3pp	14.0%	8.4%	12.5%	12%
CRE	47.0% +0.9pp YoY -0.2pp QoQ	-3.1pp	50.0%	42.8%	41.4%	42%
1-4 Family	45.1% -1.2pp YoY +0.3pp QoQ	+18.7pp	26.4%	33.0%	31.3%	86%
Consumer	1.3% +0.1pp YoY 0.0pp QoQ	-3.4pp	4.7%	3.9%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	15.2% +1.1pp YoY 0.0pp QoQ	-0.4pp	15.6%	24.9%	19.7%	72%
Leverage Ratio	11.0% +1.1pp YoY +0.3pp QoQ	-0.3pp	11.3%	12.5%	12.6%	61%
Total Capital Ratio	16.4% +1.2pp YoY 0.0pp QoQ	-0.3pp	16.7%	26.1%	20.8%	72%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	869 +29 (+3.5%) YoY +27 (+3.2%) QoQ	+555	313	107	482	95%
Assets per Employee ($)	$7.7M -2.0% YoY -4.4% QoQ	-$2.8M	$10.5M	$7.8M	$8.8M	35%
Branch Count	47 0 YoY 0 QoQ	+27	20	7	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.7%	0.4%	21%
Nonaccrual	0.3% +0.1pp YoY 0.0pp QoQ	-0.5pp	0.8%	0.8%	1.0%	32%
Allowance Coverage	3.69x -14.0% YoY +6.3% QoQ	-15.02x	18.71x	12.16x	20.23x	70%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	12.3% +0.9pp YoY -0.2pp QoQ	-0.3pp	12.6%	9.7%	11.6%	51%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.7%	1.7%	9%
Net Income ($, YTD)	$43.8M +24.9% YoY — QoQ	+$24.5M	$19.2M	$5.4M	$40.4M	91%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#86 of 492 • Bottom 17.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#96 of 402 • Bottom 23.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

Total Deposits

size

Value: $5.91B

Peer Median: $2.32B

#53 of 885 Top 5.9% in $1B-$10B

Total Assets

size

Value: $6.69B

Peer Median: $2.79B

#70 of 885 Top 7.8% in $1B-$10B

Total Loans

size

Value: $4.43B

Peer Median: $1.96B

#85 of 885 Top 9.5% in $1B-$10B

130

Non-Interest-Bearing Deposit Share

funding

Value: 30.37%

Peer Median: 21.27%

#130 of 885 Top 14.6% in $1B-$10B

190

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.53%

#190 of 885 Top 21.4% in $1B-$10B

206

Loan-to-Deposit Ratio

liquidity

Value: 74.96%

Peer Median: 85.04%

#206 of 885 Top 23.2% in $1B-$10B

221

Tier 1 Capital Ratio

capital

Value: 15.21%

Peer Median: 14.84%

#221 of 885 Top 24.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available