Alamosa State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 2.01 percentage points in Q2 2026, from 4.44% to 6.45%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Alamosa State Bank is 55th of 63 on loan-to-deposit ratio, 60.05% as of Q2 2026, below the middle of the field. Alamosa State Bank reported 60.05% on loan-to-deposit ratio for Q2 2026, 20.79 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $178.8M |
| Net loans and leases | $176.8M |
| Loans held for sale | $0 |
| Loans to total assets | 52.56% |
| Loan-to-deposit ratio | 60.05% |
| Net loans to equity capital | 4.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.33% |
| Multifamily (5+ residential) | 1.63% |
| Commercial and industrial | 7.45% |
| Consumer | 4.06% |
| Credit cards | 0.00% |
| Farm | 29.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.65% |
| Construction concentration (Tier 1 capital + allowance) | 6.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $145.4M | $334.0M | 27.54% | 6.21% | 5.97% |
| Q4 2023 | $152.6M | $322.1M | 29.33% | 7.00% | 5.57% |
| Q1 2024 | $162.6M | $296.6M | 26.94% | 7.59% | 5.23% |
| Q2 2024 | $166.3M | $299.2M | 25.84% | 5.79% | 5.18% |
| Q3 2024 | $169.7M | $304.9M | 23.54% | 5.23% | 5.22% |
| Q4 2024 | $176.2M | $299.7M | 21.86% | 6.00% | 4.80% |
| Q1 2025 | $170.8M | $285.5M | 23.87% | 7.85% | 4.86% |
| Q2 2025 | $170.0M | $298.0M | 23.90% | 7.18% | 4.69% |
| Q3 2025 | $170.3M | $303.6M | 23.91% | 6.90% | 4.64% |
| Q4 2025 | $175.3M | $296.1M | 23.14% | 7.40% | 4.31% |
| Q1 2026 | $173.1M | $283.5M | 24.02% | 8.05% | 4.17% |
| Q2 2026 | $178.8M | $297.8M | 24.33% | 7.45% | 4.06% |
Alamosa State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alamosa State Bank, freeSource: Call Report Schedule RC-C, 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)