Alamosa State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 8.9% in Q2 2026, from -$1.1M to -$1.2M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Alamosa State Bank is 8th of 34 on CET1 ratio, 22.11% as of Q2 2026, above the middle of the field. Alamosa State Bank reported 22.11% on CET1 ratio for Q2 2026, 7.04 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.11% |
| Tier 1 risk-based capital ratio | 22.11% |
| Total risk-based capital ratio | 23.30% |
| Tier 1 leverage ratio | 12.85% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.7M |
| Tier 1 capital | $42.7M |
| Total risk-based capital | $45.0M |
| Total equity capital | $41.5M |
| Risk-weighted assets | $193.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.21% |
| Tangible equity to tangible assets | 12.21% |
| Equity capital to average assets | 12.49% |
| Internal capital growth rate | 8.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $300K |
| Retained earnings | $42.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.74% | 20.74% | 21.81% | 9.60% | $168.9M |
| Q4 2023 | 20.10% | 20.10% | 21.16% | 9.91% | $176.4M |
| Q1 2024 | 19.66% | 19.66% | 20.69% | 10.64% | $184.3M |
| Q2 2024 | 19.91% | 19.91% | 20.96% | 11.01% | $185.9M |
| Q3 2024 | 20.11% | 20.11% | 21.18% | 11.32% | $187.7M |
| Q4 2024 | 19.86% | 19.86% | 20.91% | 11.15% | $192.8M |
| Q1 2025 | 20.87% | 20.87% | 21.99% | 11.93% | $186.8M |
| Q2 2025 | 21.29% | 21.29% | 22.43% | 12.14% | $186.9M |
| Q3 2025 | 21.83% | 21.83% | 23.00% | 12.02% | $185.7M |
| Q4 2025 | 21.70% | 21.70% | 22.87% | 11.96% | $189.3M |
| Q1 2026 | 22.31% | 22.31% | 23.51% | 12.67% | $187.6M |
| Q2 2026 | 22.11% | 22.11% | 23.30% | 12.85% | $193.3M |
Alamosa State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alamosa State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alamosa State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13947) · FFIEC NIC profile (RSSD 869953)