BlastPoint's Banking Scorecard
Alpine Capital Bank
New York, NY
Alpine Capital Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47.9% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 33.7% in tier
- - ROA 0.71% below tier average
- - Efficiency Ratio 10.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$224.8M
+4.3% YoY
+1.5% QoQ
|
-$161.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$123.7M
+76.3% YoY
+17.7% QoQ
|
-$132.1M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$187.7M
+5.1% YoY
+1.5% QoQ
|
-$140.3M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.56%
+494.8% YoY
+271.5% QoQ
|
-0.71% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.8% in tier |
| Net Interest Margin ? |
4.21%
+16.5% YoY
+7.1% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
76.11%
-17.8% YoY
-13.1% QoQ
|
+10.82% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.89%
+67.8% YoY
+15.9% QoQ
|
-10.75% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
16.88%
+6.0% YoY
-12.6% QoQ
|
-5.14% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
24.69%
-39.5% YoY
-14.3% QoQ
|
+8.86% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 6.8% in tier |
| Non-Interest Income / Assets ? |
0.06%
+420.9% YoY
-16.2% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.