Alpine Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.65 percentage points higher than in Q1 2026, at 68.35%. Within New York, Alpine Capital Bank is 69th of 105 on return on assets, 0.79% as of Q2 2026, below the middle of the field. Alpine Capital Bank reported 0.79% on return on assets for Q2 2026, 0.46 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.20% |
| Tier 1 risk-based capital ratio | 22.20% |
| Total risk-based capital ratio | 23.45% |
| Tier 1 leverage ratio | 13.74% |
| Equity capital to assets | 14.27% |
| Tangible equity to tangible assets | 13.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 5.46% |
| Net interest margin | 4.49% |
| Efficiency ratio | 68.27% |
| Yield on earning assets | 6.59% |
| Cost of funds | 2.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.35% |
| Core deposits to total deposits | 78.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.68% |
| Securities to assets | 3.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 70.68% | 70.68% | 71.94% | 28.26% | 3.73% |
| Q4 2023 | 39.40% | 39.40% | 40.63% | 16.48% | 3.22% |
| Q1 2024 | 50.06% | 50.06% | 51.32% | 18.25% | 2.01% |
| Q2 2024 | 57.19% | 57.19% | 58.45% | 16.10% | 2.50% |
| Q3 2024 | 56.55% | 56.55% | 57.81% | 16.35% | 0.40% |
| Q4 2024 | 45.52% | 45.52% | 46.78% | 16.49% | 0.45% |
| Q1 2025 | 40.83% | 40.83% | 42.08% | 14.35% | 0.09% |
| Q2 2025 | 35.57% | 35.57% | 36.82% | 15.48% | 0.12% |
| Q3 2025 | 29.96% | 29.96% | 31.21% | 15.55% | 0.07% |
| Q4 2025 | 28.82% | 28.82% | 30.07% | 15.06% | 0.32% |
| Q1 2026 | 24.69% | 24.69% | 25.94% | 14.59% | 0.56% |
| Q2 2026 | 22.20% | 22.20% | 23.45% | 13.74% | 0.79% |
Alpine Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alpine Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35377) · FFIEC NIC profile (RSSD 2889227)