Alamosa State Bank: how it compares with its peers
Against 31 CO banks with half to twice its assets, Alamosa State Bank's strongest measure in Q2 2026 is efficiency ratio (38.92% vs. a 67.69% peer median). Its weakest relative measure is net interest margin (4.02% vs. 4.27%).
| Measure | Alamosa State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.39% | 1.13% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 4.27% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.92% | 67.69% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.3M | $7.6M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.36% | 86.51% | Context |
What it means for lending operations
Its efficiency ratio of 38.92% is better than the 67.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Colorado Bank and Trust Company of La Junta La Junta, CO · $330M
- FMS Bank Fort Morgan, CO · $325M
- Native American Bank, National Association Denver, CO · $362M
- Wray State Bank Wray, CO · $312M
- FlatIrons Bank Boulder, CO · $370M
- 5Star Bank Colorado Springs, CO · $378M
Questions about Alamosa State Bank
How big is Alamosa State Bank?
Alamosa State Bank, established in 1907, is headquartered in Alamosa, CO. It reported $340M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Alamosa State Bank's return on assets?
2.39% annualized in Q2 2026, against a 1.13% median for 31 CO banks with half to twice its assets, ahead of 97% of them.
What is Alamosa State Bank's efficiency ratio?
38.92% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 67.69%, and lower is better.
Is Alamosa State Bank growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 0.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.