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Alpine Bank

IDRSSD: 260055
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2023-Q4QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #260055 2023-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
79
Sub-score

Liquidity is stable: brokered 9.3%, loans/deposits 70.0%, cash 3.5% of assets.

Cash / Assets
3.49%
Loans / Deposits
69.97%
Brokered %
9.28%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.23%
No watch items at this period.

Capitalization

StrongQoQ +6
96
Sub-score

Capital position is strong: Tier 1 RBC 13.76%, CET1 13.76%, leverage 9.42%.

Tier 1 RBC
13.76%
CET1
13.76%
Leverage
9.42%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 4.2%, NCO YTD 0.29%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.29%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
78
Sub-score

Reserves are stable: ALLL 1.11% of loans, coverage 160.3%, true coverage 153.6%.

ALLL / Loans
1.11%
Coverage
160.3%
True Loss Coverage
153.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:29:38 UTC