Bank Comparison
Alamosa State Bank vs Redstone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 6
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Alamosa State Bank | Redstone Bank |
|---|---|---|
| CET1 Ratio | 22.31% | — |
| Tier 1 Capital Ratio | 22.31% | — |
| Total Capital Ratio | 23.51% | — |
| Tier 1 Leverage Ratio | 12.67% | 11.82% |
| Equity / Assets | 12.49% | 11.18% |
Profitability
| Metric | Alamosa State Bank | Redstone Bank |
|---|---|---|
| Return on Assets (ROA) | 2.33% | 0.56% |
| Return on Equity (ROE) | 18.94% | 4.58% |
| Net Interest Margin (NIM) | 3.94% | 3.44% |
| Yield on Earning Assets | 4.76% | 5.83% |
| Cost of Funds | 0.90% | 2.49% |
Asset quality
| Metric | Alamosa State Bank | Redstone Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.18% | 1.62% |
Balance sheet
| Metric | Alamosa State Bank | Redstone Bank |
|---|---|---|
| Total Assets | $326,178K | $304,737K |
| Total Deposits | $283,509K | $269,482K |
| Total Loans | $173,077K | $173,487K |
| Total Equity | $40,734K | $34,068K |
| Net Income (quarter) | $1,922K | $387 |
Liquidity & funding
| Metric | Alamosa State Bank | Redstone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.05% | 64.38% |
| Core Deposit Ratio | 88.31% | 95.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Alamosa State Bank | Redstone Bank |
|---|---|---|
| Headquarters City | ALAMOSA | CENTENNIAL |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 31 | 31 |
| Established | March 1, 1907, midnight | July 2, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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