Alpine 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.32 percentage points to 10.79%. Within Colorado, Alpine Bank is 15th of 34 on CET1 ratio, 15.21% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Alpine Bank sits 1.71 points higher, at 15.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.21% |
| Tier 1 risk-based capital ratio | 15.21% |
| Total risk-based capital ratio | 16.42% |
| Tier 1 leverage ratio | 11.02% |
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 | $742.3M |
| Tier 1 capital | $742.3M |
| Total risk-based capital | $801.3M |
| Total equity capital | $722.3M |
| Risk-weighted assets | $4.88B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 10.55% |
| Equity capital to average assets | 10.69% |
| Internal capital growth rate | 8.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.4M |
| Common stock surplus | $184.5M |
| Retained earnings | $571.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.6M |
| 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 | 13.53% | 13.53% | 14.68% | 9.23% | $4.50B |
| Q4 2023 | 13.76% | 13.76% | 14.92% | 9.44% | $4.46B |
| Q1 2024 | 13.98% | 13.98% | 15.13% | 9.42% | $4.43B |
| Q2 2024 | 14.00% | 14.00% | 15.14% | 9.54% | $4.46B |
| Q3 2024 | 14.15% | 14.15% | 15.30% | 9.62% | $4.47B |
| Q4 2024 | 14.22% | 14.22% | 15.37% | 9.75% | $4.50B |
| Q1 2025 | 14.13% | 14.13% | 15.28% | 9.76% | $4.59B |
| Q2 2025 | 14.08% | 14.08% | 15.21% | 9.90% | $4.69B |
| Q3 2025 | 14.31% | 14.31% | 15.47% | 10.02% | $4.71B |
| Q4 2025 | 14.88% | 14.88% | 16.04% | 10.49% | $4.79B |
| Q1 2026 | 15.24% | 15.24% | 16.42% | 10.75% | $4.78B |
| Q2 2026 | 15.21% | 15.21% | 16.42% | 11.02% | $4.88B |
Alpine Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alpine 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 Alpine Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23091) · FFIEC NIC profile (RSSD 260055)