TellerScore

Headquartered in Glenwood Springs, Colorado, Alpine Bank is a state-chartered bank with $6.7B in total assets and $5.9B in deposits as of Q2 2026. It operates 47 offices. Its charter dates back to 1980.

Alpine Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 63 banks headquartered in Colorado, it ranks 36th. Problem-loan coverage contributes the most (96/100, 1.9%); funding & liquidity contributes the least (59/100, 75% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.02%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.31%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 75.0% · 38.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (68 → 73), mostly because the capital cushion component improved by 11 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202467
Q4 202467
Q1 202568
Q2 202568
Q3 202570
Q4 202572
Q1 202673
Q2 202673
Tier 1 leverage ratio
5.00%8.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.54%
Q3 20249.62%
Q4 20249.75%
Q1 20259.76%
Q2 20259.90%
Q3 202510.02%
Q4 202510.49%
Q1 202610.75%
Q2 202611.02%
Noncurrent loans
0.13%0.40%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.66%
Q3 20240.13%
Q4 20240.15%
Q1 20250.25%
Q2 20250.26%
Q3 20250.21%
Q4 20250.25%
Q1 20260.32%
Q2 20260.31%
Return on assets
0.79%1.04%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.83%
Q4 20240.86%
Q1 20250.96%
Q2 20251.06%
Q3 20251.11%
Q4 20251.16%
Q1 20261.29%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$6.7B11.02%0.31%1.29%75.0%
Q1 202673$6.8B10.75%0.32%1.29%71.7%
Q4 202572$6.9B10.49%0.25%1.16%70.7%
Q3 202570$6.8B10.02%0.21%1.11%69.0%
Q2 202568$6.6B9.90%0.26%1.06%70.6%
Q1 202568$6.7B9.76%0.25%0.96%68.4%
Q4 202467$6.5B9.75%0.15%0.86%68.7%
Q3 202467$6.6B9.62%0.13%0.83%67.7%
Q2 202462$6.5B9.54%0.66%0.79%69.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.02%
61st
Total risk-based capital16.42%
79th
Problem loans0.31%
66th
Net charge-offs0.12%
28th
Return on assets1.29%
54th
Net interest margin3.94%
65th
Efficiency ratio61.4%
42nd
Loans to deposits75.0%
77th
Uninsured deposits38.5%
31st
Loan-loss reserves1.14%
50th
Texas ratio1.9%
71st

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs
First Western Trust BankBank Denver, CO58 out of 100, Moderate$3.2B9.2%0.60%vs
ANB BankBank Denver, CO64 out of 100, Moderate$2.9B9.5%0.37%vs
Colorado Federal Savings BankBank Greenwood Village, CO63 out of 100, Moderate$2.3B10.5%0.50%vs
Solera National BankBank Lakewood, CO63 out of 100, Moderate$1.6B8.6%1.45%vs
Fortis BankBank Denver, CO58 out of 100, Moderate$1.4B9.0%0.49%vs

Deposit insurance

Is my money safe at Alpine Bank?

Yes. Alpine Bank is an FDIC-insured institution (FDIC certificate #23091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.5% of deposits ($2.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.42% (benchmark: 10%).

Check how much of your own balance is covered

47 locations

Branches

Alpine Bank lists 40 offices in 31 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alpine Bank reported 2,058 home-loan applications under HMDA (LEI OYWNLMHNBQQ7BAH3EE86): 1,491 originated ($623,035,000 total), 247 denied, and 191 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Alpine Bank
Former names
Alpine Bank and Trust; Valley Bank and Trust
Type
State-chartered bank
FDIC certificate #
23091
RSSD ID
260055
Primary regulator
FDIC
Holding company
Alpine Banks of Colorado
Established
April 1, 1980
Headquarters
2200 Grand Ave, Glenwood Springs, CO 81601
Employees
869

Quick answers

Alpine Bank: common questions

Is Alpine Bank FDIC insured?

Yes. Alpine Bank is an FDIC-insured institution (FDIC certificate #23091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Alpine Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Alpine Bank ever failed?

There is no failure record for FDIC certificate #23091 in the FDIC failed bank list.

How many branches does Alpine Bank have?

47 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Glenwood Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs
NBH BankBank Greenwood Village, CO66 out of 100, Moderate$12.5B10.3%0.60%vs
ANB BankBank Denver, CO64 out of 100, Moderate$2.9B9.5%0.37%vs
PNC Bank, National AssociationBank Wilmington, DE62 out of 100, Moderate$609.8B9.0%0.74%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs