Alpine 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.
The standout move of Q2 2026 was in Loans held for sale: 105.2% higher than in Q1 2026, at $5.2M. Within Colorado, Alpine Bank is 39th of 63 on loan-to-deposit ratio, 75.82% as of Q2 2026. Alpine Bank reported 75.82% on loan-to-deposit ratio for Q2 2026, 12.38 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.48B |
| Net loans and leases | $4.43B |
| Loans held for sale | $5.2M |
| Loans to total assets | 66.90% |
| Loan-to-deposit ratio | 75.82% |
| Net loans to equity capital | 6.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.74% |
| Multifamily (5+ residential) | 4.59% |
| Commercial and industrial | 3.68% |
| Consumer | 1.28% |
| Credit cards | 0.13% |
| Farm | 0.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.74% |
| Construction concentration (Tier 1 capital + allowance) | 56.49% |
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 | 6.15% |
| Interest income on loans | $68.0M |
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 | $4.04B | $5.85B | 28.84% | 4.84% | 0.96% |
| Q4 2023 | $4.05B | $5.72B | 29.79% | 4.63% | 0.91% |
| Q1 2024 | $4.03B | $5.94B | 29.61% | 4.73% | 0.91% |
| Q2 2024 | $4.07B | $5.82B | 29.48% | 4.72% | 0.96% |
| Q3 2024 | $4.03B | $5.89B | 30.27% | 5.13% | 1.01% |
| Q4 2024 | $4.06B | $5.85B | 30.62% | 4.67% | 1.07% |
| Q1 2025 | $4.13B | $5.97B | 30.50% | 4.59% | 1.09% |
| Q2 2025 | $4.22B | $5.90B | 31.16% | 3.68% | 1.14% |
| Q3 2025 | $4.25B | $6.09B | 31.73% | 3.46% | 1.22% |
| Q4 2025 | $4.34B | $6.08B | 30.91% | 3.48% | 1.28% |
| Q1 2026 | $4.35B | $6.00B | 31.69% | 3.69% | 1.28% |
| Q2 2026 | $4.48B | $5.91B | 31.74% | 3.68% | 1.28% |
Alpine Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alpine 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 Alpine Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23091) · FFIEC NIC profile (RSSD 260055)