Alamosa State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alamosa State Bank of Alamosa, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.50% | 1.34% | +1.16% | 94th top |
| ROAE | 20.22% | 13.31% | +6.91% | 88th top |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 38.12% | 61.15% | -23.03% | 96th top |
| PPNR / Avg Assets | 2.56% | 1.68% | +0.88% | 90th top |
| Yield on Earning Assets | 4.94% | 5.67% | -0.73% | 21st bottom |
| Cost of Funds | 0.91% | 1.88% | -0.97% | 93rd top |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 1966.67% | 1395.20% | +571.47% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.11% | 19.50% | +2.61% | 83rd top |
| Tier 1 Ratio | 22.11% | 19.53% | +2.58% | 83rd top |
| Total Capital Ratio | 23.30% | 20.62% | +2.68% | 83rd top |
| Leverage Ratio | 12.85% | 12.14% | +0.71% | 74th above |
| Equity / Assets | 12.21% | 11.37% | +0.84% | 73rd above |
| TCE / Tangible Assets | 12.21% | 11.09% | +1.12% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.05% | 80.64% | -20.59% | 83rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.00% | 86.86% | +2.14% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.99% | 6.85% | -5.86% | 25th below |
| Loan Growth (Y/Y) | 5.22% | 7.90% | -2.68% | 49th below |
| Deposit Growth (Y/Y) | -0.04% | 6.29% | -6.33% | 23rd bottom |
See Alamosa State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alamosa State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Alamosa State Bank profile, how to read a UBPR, or how this data updates.