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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Alpine Bank

Glenwood Springs, Colorado · $6.69B in assets · beside the 11 other the Mountain West banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

1.30%
ROA
10th of 12
75.8%
Loans / deposits
4th of 12
10.8%
Equity / assets
5th of 12

Alpine Bank is the fifth largest of the 12 the Mountain West banks between $3B and $10B, with $6.69B in assets at 30 June 2026. Loans are 75.8% of deposits, 4th of 12 against a median of 86.0%, and equity is 10.8% of assets, 5th of 12. Loans grew +6.2% in the year, 8th of 12, and deposits grew 0.1%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.31% of the book, 5th of 12 against a median of 0.60%; 0.30% is 30 to 89 days past due, and the allowance covers them 3.7 times. Net charge-offs are 0.12% of loans, 8th of 12. Commercial real estate is 34.0% of loans, 6th of 12 against a median of 34.5%, and 190% of capital, below the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 1.30%, 10th of 12 against a median of 1.44%, on an efficiency ratio of 61.4%, 8th of 12. Five years ago it was 1.12%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMountain West banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.44% CB Celtic Bank 3.35% MB Merrick Bank 2.53% CV Cache Valley Bank 2.01% SB Stockman Bank of Montana 1.90% SB Sunwest Bank 1.61% GD Green Dot Bank dba Bonneville 1.54% Bo Bank of Colorado 1.35% DL D L Evans Bank 1.34% Bo Bank of Utah 1.32% AB Alpine Bank 1.30% WF Wells Fargo National Bank West 0.99% FW First Western Trust Bank 0.84%
Loans, year over yearMountain West banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB Celtic Bank +37.6% SB Sunwest Bank +14.8% SB Stockman Bank of Montana +8.9% Bo Bank of Colorado +8.7% DL D L Evans Bank +7.0% FW First Western Trust Bank +6.7% CV Cache Valley Bank +6.5% AB Alpine Bank +6.2% Bo Bank of Utah +4.3% MB Merrick Bank +1.5% GD Green Dot Bank dba Bonneville -8.0% WF Wells Fargo National Bank West -11.1%

SBA 7(a), FY2008 to FY2026

Alpine Bank is the 100th largest 7(a) lender into Colorado of 401, with $15M across 23 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 6 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Eagle, CO$6M8th of 523.6%thin
Denver, CO$2M94th of 1930.1%+0.3 pts
La Plata, CO$2M16th of 481.7%quiet FY2015
Mesa, CO$2M34th of 670.7%quiet FY2021
Montrose, CO$2M15th of 391.9%quiet FY2011
Arapahoe, CO$859K125th of 1660.1%thin
Summit, CO$450K38th of 540.3%quiet FY2011
Garfield, CO$175K44th of 480.1%quiet FY2011
Pitkin, CO$100K18th of 200.2%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services9$5M35.6%0.01%797th of 2,596
Construction1$4M27.7%0.01%653rd of 2,063
Retail trade5$4M25.2%0.01%848th of 2,589
Manufacturing3$595K4.1%0.00%1607th of 2,246
Professional & technical services1$445K3.0%0.00%1315th of 1,955
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Alpine Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans AB Alpine Bank 0.1% $15M · 23 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Alpine BankRankCohort median
Total CRE against capital, the 300% screen190%6th of 12230%
Construction against capital, the 100% screen56%8th of 1255%
Construction and land development, share of loans10.0%8th of 128.0%
Non-owner-occupied nonfarm nonresidential, share of loans19.4%6th of 1219.4%
Total CRE, the guidance definition, share of loans34.0%6th of 1234.5%
CRE growth over 36 months, the third prong+8.9%1st of 10+36.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Merrick Bank$9.13B2.5%33.6%3.52%11.62%15.4%117.2%17.6%
Wells Fargo National Bank West$8.77B1.0%23.4%0.97%0.00%0.3%68.4%19.2%
Stockman Bank of Montana$7.75B1.9%50.6%0.60%0.02%1.8%84.4%9.7%
Bank of Colorado$7.61B1.3%51.8%0.10%0.01%1.3%81.2%10.2%
Alpine Bank$6.69B1.3%61.4%0.31%0.12%1.1%75.8%10.8%
Green Dot Bank dba Bonneville$5.44B1.5%92.5%3.56%66.62%17.3%0.8%5.8%
Celtic Bank$5.33B3.3%33.2%3.63%0.46%1.6%117.3%17.4%
Sunwest Bank$4.41B1.6%61.6%0.60%0.00%1.8%103.7%9.3%
Bank of Utah$3.79B1.3%61.6%0.15%0.22%1.2%100.4%12.3%
D L Evans Bank$3.70B1.3%51.6%0.26%0.00%1.4%57.2%9.3%
Cache Valley Bank$3.49B2.0%39.1%0.29%0.09%1.3%87.6%10.5%
First Western Trust Bank$3.24B0.8%73.5%0.60%0.00%0.7%95.9%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Alpine BankCohort median
20212026Change20212026Change
Loans$3.38B$4.48B+33%$2.37B$4.00B+69%
Deposits$5.21B$5.91B+13%$2.71B$4.47B+65%
NPA / loans0.17%0.31%+0.14 pts0.31%0.60%+0.29 pts
Efficiency59.8%61.4%+1.6 pts50.5%51.7%+1.2 pts
ROA1.12%1.30%+0.17 pts1.62%1.44%-0.18 pts

This read was prepared for Alpine Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Alpine Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $3B to $10B
Institution www.alpinebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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