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Alpine Capital Bank

$100M-$1B Specialty: Commercial NY FDIC cert 35377

New York, NY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits +23.8% year over year ($201.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.68%.
  • Efficiency ratio 71.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.50% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Alpine Capital Bank has 3 strengths but faces 3 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

  • + Credit Quality Leader: Top 45.2% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 45.1% in tier
  • - ROA 0.64% below tier average
  • - Efficiency Ratio 7.46% above tier average
Get updates when Alpine Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $237.3M
+18.8% YoY +5.5% QoQ
-$149.3M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $135.6M
+67.5% YoY +9.7% QoQ
-$122.7M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $201.0M
+23.8% YoY +7.1% QoQ
-$125.8M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.68%
+536.6% YoY +21.7% QoQ
-0.64% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 4.40%
+14.7% YoY +4.5% QoQ
+0.42% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 71.94%
-20.9% YoY -5.5% QoQ
+7.46% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 67.50%
+35.3% YoY +2.4% QoQ
-10.45% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 15.74%
+2.2% YoY -6.8% QoQ
-6.29% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 22.20%
-37.6% YoY -10.1% QoQ
+6.29% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 10.1% in tier
Non-Interest Income / Assets ? 0.11%
+241.9% YoY +97.1% QoQ
-0.46% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
22%

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 (NY) National Avg Tier Percentile
Noninterest-Bearing 15.7%
+0.3pp YoY
-1.1pp QoQ
 -6.4pp 22.1% 22.1% 22.2% 27%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 8.9%
+6.5pp YoY
0.0pp QoQ
 -2.7pp 11.6% 11.0% 12.5% 46%
CRE 88.5%
-1.8pp YoY
+0.7pp QoQ
 +48.9pp 39.5% 46.2% 41.4% 99%
1-4 Family 3.3%
+0.2pp YoY
-0.3pp QoQ
 -29.4pp 32.6% 36.6% 31.3% 3%
Consumer n/a n/a 4.1% 5.1% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 22.2%
-13.4pp YoY
-2.5pp QoQ
 +3.4pp 18.8% 26.1% 19.7% 84%
Leverage Ratio 13.7%
-1.7pp YoY
-0.8pp QoQ
 +1.6pp 12.2% 13.9% 12.6% 80%
Total Capital Ratio 23.5%
-13.4pp YoY
-2.5pp QoQ
 +3.5pp 19.9% 27.2% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 25
+1 (+4.2%) YoY
+1 (+4.2%) QoQ
 -34 58 914 482 19%
Assets per Employee ($) $9.5M
+14.1% YoY
+1.3% QoQ
 +$2.0M $7.5M $14.8M $8.8M 83%
Branch Count 1
0 YoY
0 QoQ
 -4 4 27 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.3% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 1.92x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 4.6%
+3.9pp YoY
+0.9pp QoQ
 -7.6pp 12.2% 7.9% 11.6% 12%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 78%
Net Income ($, YTD) $778,000
+607.3% YoY
— QoQ
 -$1.8M $2.6M $111.2M $40.4M 19%

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 (1)

Credit Quality Leader

growth
#299 of 659 • Top 45.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#336 of 742 • Bottom 45.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.20%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 67.50%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
267
Tier 1 Capital Ratio
capital
Value: 22.20%
Peer Median: 15.91%
#267 of 2643 Top 10.1% in $100M-$1B
658
Net Interest Margin
profitability
Value: 4.40%
Peer Median: 3.99%
#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (2 metrics)

2160
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.32%
#2160 of 2643 Bottom 18.3% in $100M-$1B
2069
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2069 of 2643 Bottom 21.8% in $100M-$1B
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