Alpine Capital Bank: how it compares with its peers
Against 27 NY banks with half to twice its assets, Alpine Capital Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $6.5M peer median). Its weakest relative measure is return on assets (0.68% vs. 0.80%).
| Measure | Alpine Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 0.80% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.76% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.94% | 67.69% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $6.5M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.50% | 87.85% | Context |
What it means for lending operations
Its efficiency ratio of 71.94% is above the 67.69% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Holland Holland, NY · $262M
- The First National Bank of Groton Groton, NY · $204M
- The First National Bank of Dryden Dryden, NY · $204M
- Cayuga Lake National Bank Union Springs, NY · $274M
- Massena Savings and Loan Massena, NY · $200M
- Gouverneur Savings and Loan Association Gouverneur, NY · $199M
Questions about Alpine Capital Bank
How big is Alpine Capital Bank?
Alpine Capital Bank, established in 2000, is headquartered in New York, NY. It reported $237M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Alpine Capital Bank's return on assets?
0.68% annualized in Q2 2026, against a 0.80% median for 27 NY banks with half to twice its assets, ahead of 41% of them.
What is Alpine Capital Bank's efficiency ratio?
71.94% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 67.69%, and lower is better.
Is Alpine Capital Bank growing its loans?
Net loans grew 67.5% over the year to Q2 2026, while deposits grew 23.8%.
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 NY 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 New York bank ranked.