Alpine Bank
Glenwood Springs, Colorado, Garfield County
$6.7B in total assets, the 238th largest of 4,309 US banks and 3rd of 63 headquartered in Colorado.
- FDIC certificate
- 23091
- Established
- 1980
- Owned by
- Alpine Banks Of Colorado
- Primary regulator
- FDIC
- Website
- www.alpinebank.com
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.7B | 92% | $2.0B | |
| Loans | $4.5B | 91% | $1.4B | |
| Deposits | $5.9B | 94% | $1.7B | |
| Return on assets | 1.28% | 55% | 1.23% | |
| Net interest margin | 3.94% | 64% | 3.71% | |
| Efficiency ratio | 61.4% | 58% | 59.1% | |
| Equity to assets | 10.79% | 57% | 10.38% | |
| Loans to deposits | 76% | 23% | 88% |
Growth
Total assets grew 3.0% a year over the last 5 years and 8.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2006 | First National Bank Telluride, CO | $159M |
| Nov 1995 | Alpine Bank, Carbondale Carbondale, CO, an affiliate under the same holding company | $52M |
| Nov 1995 | Alpine Bank, Snowmass Village Snowmass Village, CO, an affiliate under the same holding company | $42M |
| Nov 1995 | Alpine Bank, Basalt Basalt, CO, an affiliate under the same holding company | $42M |
| Nov 1995 | Alpine Bank Eagle, CO, an affiliate under the same holding company | $22M |
| Nov 1995 | Alpine Bank, Aspen Aspen, CO, an affiliate under the same holding company | $69M |
| Nov 1995 | Alpine Bank, Grand Junction Clifton, CO, an affiliate under the same holding company | $31M |
| May 1987 | Alpine Bank Glenwood Springs, CO, an affiliate under the same holding company | $4M |
Where they operate
44 branches in 16 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Garfield County, CO | $1.2B | 55.6% | 1 of 6 |
| Pitkin County, CO | $791M | 41.9% | 1 of 10 |
| Eagle County, CO | $787M | 27.0% | 2 of 12 |
| Mesa County, CO | $779M | 20.7% | 1 of 12 |
| Denver County, CO | $453M | 0.7% | 16 of 45 |
| San Miguel County, CO | $357M | 59.0% | 1 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (41 to 44, +7.3%). 6 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 41 | |||
| 2018 | Opened Denver | 1 | 0 | +1 | 42 |
| 2019 | Opened Boulder | 1 | 0 | +1 | 43 |
| 2020 | Closed Montrose | 0 | 1 | −1 | 42 |
| 2021 | Closed Snowmass Village | 0 | 1 | −1 | 41 |
| 2022 | Opened Colorado Springs and Fort Collins | 2 | 0 | +2 | 43 |
| 2023 | Opened Aurora | 1 | 0 | +1 | 44 |
| 2024 | Opened AuroraClosed Copper Mountain | 1 | 1 | 0 | 44 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 45% | 25% | |
| Commercial real estate | 32% | 32% | |
| Construction and land | 10% | 8% | |
| Multifamily | 5% | 8% | |
| Business (C&I) | 4% | 14% | |
| Consumer | 1% | 4% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 3% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 52% | |
| Noninterest-bearing | 30% | 21% | |
| Time deposits | 12% | 27% |
Brokered deposits are 0.4% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.51% |
| Net charge-offs, annualized | 0.12% | 0.04% |
| Reserves to loans | 1.14% | 1.15% |
| Leverage ratio | 11.02% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Garfield County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/alpine