Alpine Banks of Colorado announces financial results for third quarter 2025
Alpine Banks of Colorado (OTCQX: ALPIB) reported net income $18.5M for Q3 2025, or $1.16 per basic Class A and B share. EPS rose 41.4% YoY and 5.4% sequentially. Net interest margin was 3.54% in Q3 2025 versus 3.50% in Q2 2025 and 2.98% in Q3 2024. Total assets increased 3.2% sequentially to $6.82B. Loans grew 5.3% YoY to $4.2B; deposits rose 3.2% YoY to $6.1B. Provision for loan losses and noninterest expense increased year-to-date, while capital ratios remain above "well capitalized" thresholds.
Alpine Banks of Colorado (OTCQX: ALPIB) ha riportato un utile netto di 18,5 milioni di dollari nel terzo trimestre 2025, o 1,16 dollari per azione base di Classe A e B. L'EPS è aumentato del 41,4% YoY e del 5,4% in confronto al trimestre precedente. Il margine di interesse netto è stato 3,54% nel Q3 2025 rispetto al 3,50% nel Q2 2025 e al 2,98% nel Q3 2024. Gli attivi totali sono aumentati del 3,2% rispetto al trimestre precedente a 6,82 miliardi di dollari. I prestiti sono cresciuti del 5,3% YoY a 4,2 miliardi; i depositi sono saliti del 3,2% YoY a 6,1 miliardi. La provvista per perdite su prestiti e la spesa non legata agli interessi sono aumentate dall'inizio dell'anno, mentre i ratio patrimoniali rimangono sopra le soglie di "ben capitalizzati".
Alpine Banks of Colorado (OTCQX: ALPIB) reportó ingresos netos de 18,5 millones de dólares para el tercer trimestre de 2025, o 1,16 dólares por acción básica de Clase A y B. Las ganancias por acción (EPS) aumentaron un 41,4% interanual y un 5,4% secuencialmente. El margen de interés neto fue del 3,54% en el 3T 2025 frente al 3,50% en el 2T 2025 y 2,98% en el 3T 2024. Los activos totales aumentaron un 3,2% secuencialmente a 6,82 mil millones de dólares. Los préstamos crecieron un 5,3% interanual a 4,2 mil millones; los depósitos subieron un 3,2% interanual a 6,1 mil millones. La provisión para pérdidas de préstamos y el gasto no por intereses aumentaron desde el inicio del año, mientras que los ratios de capital se mantienen por encima de los umbrales de “bien capitalizado”.
Alpine Banks of Colorado (OTCQX: ALPIB)는 2025년 3분기에 18.5백만 달러의 순이익을 보고했고, 기본 클래스 A 및 B 주당 1.16달러를 기록했습니다. 주당순이익(EPS)은 전년 동기 대비 41.4% 증가했고 분기 대비 5.4% 상승했습니다. 순이자마진은 2025년 3분기 3.54%, 2분기 3.50%, 2024년 3분기 2.98%였습니다. 총자산은 분기 대비 3.2% 증가하여 68.2억 달러에 도달했습니다. 대출은 연간 5.3% 증가하여 42억 달러, 예금은 연간 3.2% 증가하여 61억 달러로 늘었습니다. 대손충당금과 비이자비용은 올해 들어 증가했고, 자본비율은 여전히 "충분히 자본화된" 임계치를 상회하고 있습니다.
Alpine Banks of Colorado (OTCQX: ALPIB) a déclaré un bénéfice net de 18,5 millions de dollars pour le T3 2025, soit 1,16 $ par action ordinaire de classe A et B. L'EPS a augmenté de 41,4 % en glissement annuel et de 5,4 % d'une période à l'autre. La marge nette d'intérêt était de 3,54 % au T3 2025 contre 3,50 % au T2 2025 et 2,98 % au T3 2024. Les actifs totaux ont progressé de 3,2 % d'un trimestre à l'autre pour atteindre 6,82 milliards de dollars. Les prêts ont augmenté de 5,3 % en glissement annuel pour atteindre 4,2 milliards ; les dépôts ont augmenté de 3,2 % en glissement annuel pour atteindre 6,1 milliards. La provision pour pertes sur prêts et les dépenses non liées aux intérêts ont augmenté depuis le début de l'année, tandis que les ratios de capital restent au-dessus des seuils de « bien capitalisés ».
Alpine Banks of Colorado (OTCQX: ALPIB) meldete für das dritte Quartal 2025 ein Nettoeinkommen von 18,5 Mio. USD, bzw. 1,16 USD pro Basis-A- und B-Aktie. Das EPS stieg im Jahresvergleich um 41,4% und sequenziell um 5,4%. Die Nettomarge betrug im Q3 2025 3,54%, gegenüber 3,50% im Q2 2025 und 2,98% im Q3 2024. Die Gesamtkassenwerte erhöhten sich sequentiell um 3,2% auf 6,82 Mrd. USD. Die Kreditvergabe wuchs um 5,3% YoY auf 4,2 Mrd. USD; die Einlagen stiegen YoY um 3,2% auf 6,1 Mrd. USD. Die Rückstellungen für Kreditausfälle und die nicht Zinskosten sind year-to-date gestiegen, während die Kapitalquoten über den Schwellenwerten „ausreichend kapitalisiert“ bleiben.
Alpine Banks of Colorado (OTCQX: ALPIB) أفاد بتحقيق صافي دخل قدره 18.5 مليون دولار للربع الثالث من 2025، أو 1.16 دولار للسهم الأساسي من الفئتين A وB. ارتفع العائد على السهم (EPS) بنسبة 41.4% على أساس سنوي وبـ 5.4% على أساس تسلسلي. كان هامش الفائدة الصافي 3.54% في الربع الثالث 2025 مقارنة بـ 3.50% في الربع الثاني 2025 و2.98% في الربع الثالث 2024. ارتفعت الأصول الإجمالية بنسبة 3.2% على أساس تسلسلي لتصل إلى 6.82 مليار دولار. نمت القروض بنسبة 5.3% على أساس سنوي لتصل إلى 4.2 مليار دولار; وارتفعت الودائع بنسبة 3.2% على أساس سنوي لتصل إلى 6.1 مليار دولار. زادت المخصصات لخسائر القروض والنفقات غير المتعلقة بالفوائد منذ بداية السنة، بينما تبقى نسب رأس المال فوق عتبات "المُ Kapital المكونة بشكل جيد".
- Net income of $18.5M in Q3 2025
- EPS up 41.4% YoY to $1.16
- Net interest margin improved to 3.54% in Q3 2025
- Total assets up 3.2% QoQ to $6.82B
- Loans increased 5.3% YoY to $4.2B
- Total deposits up 3.2% YoY to $6.1B
- Bank designated well capitalized with Tier 1 leverage 10.02% (bank)
- Provision for loan losses increased $4.3M YTD
- Noninterest expense rose $7.0M YTD
- Brokered certificates of deposit declined 51.7% YoY
GLENWOOD SPRINGS, Colo., Oct. 30, 2025 (GLOBE NEWSWIRE) -- Alpine Banks of Colorado (OTCQX: ALPIB) (“Alpine” or the “Company”), the holding company for Alpine Bank (the “Bank”), today announced results (unaudited) for the third quarter ended September 30, 2025. The Company reported net income of
Highlights in third quarter 2025 include:
- Basic earnings per Class A and Class B common shares increased
5.4% , or$0.06 , during third quarter 2025. - Basic earnings per Class A and Class B common shares increased
41.4% , or$0.92 , compared to third quarter 2024. - Net interest margin for third quarter 2025 was
3.54% , compared to3.50% in second quarter 2025, and2.98% in third quarter 2024.
“Alpine Bank continued to deliver strong financial results in the third quarter,” said Glen Jammaron, Alpine Banks of Colorado President and Vice Chairman. “Our ROA and ROE continued to grow as the year progressed along with earnings per share and book value per share. We believe that recent developments in the Colorado banking sector will provide opportunities for local community banks. Here at Alpine, we intend to take steps to capitalize on the opportunity.”
Net Income
Net income for third quarter 2025 and second quarter 2025 was
Net income for the nine months ended September 30, 2025, and September 30, 2024, was
Net interest margin increased from
Assets
Total assets increased
Loans
Loans outstanding as of September 30, 2025, totaled
Loans outstanding as of September 30, 2025, reflected an increase of
Deposits
Total deposits increased
Total deposits of
Capital
The Bank continues to be designated as a “well capitalized” institution as its capital ratios exceed the minimum requirements for this designation. As of September 30, 2025, the Bank’s Tier 1 Leverage Ratio was
Book value per share on September 30, 2025, was
All Class A share and per share information set forth herein for the periods prior to the third quarter 2025 have been adjusted to reflect the 150-for-1 stock split of the Class A shares effective on May 1, 2025.
Dividends
During third quarter 2025, the Company paid cash dividends of
About Alpine Banks of Colorado
Alpine Banks of Colorado, through its wholly owned subsidiary Alpine Bank, is a
*Alpine Bank Wealth Management services are not FDIC insured, may lose value, and are not guaranteed by the Bank.
| Contacts: | Glen Jammaron | Eric A. Gardey | ||
| President and Vice Chairman | Chief Administration Officer | |||
| Alpine Banks of Colorado | Alpine Banks of Colorado | |||
| 2200 Grand Avenue | 2200 Grand Avenue | |||
| Glenwood Springs, CO 81601 | Glenwood Springs, CO 81601 | |||
| (970) 384-3266 | (970) 384-3257 | |||
A note about forward-looking statements
This press release contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as “anticipates,” “intends,” “plans,” “seeks,” “reflects,” “believes,” “can,” “would,” “should,” “will,” “estimates,” “looks forward to,” “continues,” “expects” and similar references to future periods. Examples of forward-looking statements include, but are not limited to, statements we make regarding our evaluation of macro-environment risks, Federal Reserve rate management, and trends reflecting things such as regulatory capital standards and adequacy. Forward-looking statements are based on our current expectations and assumptions regarding our business, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Our actual results may differ materially from those contemplated by the forward-looking statements. We caution you therefore against relying on any of these forward-looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. Important factors that could cause actual results to differ materially from those in the forward-looking statement include, but are not limited to:
- The ability to attract new deposits and loans;
- Demand for financial services in our market areas;
- Competitive market-pricing factors;
- Changes in assumptions underlying the establishment of allowances for loan losses and other estimates;
- Effects of future economic, business and market conditions, including higher inflation;
- Adverse effects of public health events, such as the COVID-19 pandemic, including governmental and societal responses;
- Deterioration in economic conditions that could result in increased loan losses;
- Actions by competitors and other market participants that could have an adverse impact on expected performance;
- Risks associated with concentrations in real estate-related loans;
- Risks inherent in making loans, such as repayment risks and fluctuating collateral values;
- Market interest rate volatility, including changes to the federal funds rate;
- Stability of funding sources and continued availability of borrowings;
- Geopolitical events, including global tariffs, acts of war, international hostilities and terrorist activities;
- Assumptions and estimates used in applying critical accounting policies and modeling, including under the CECL model, which may prove unreliable, inaccurate, or not predictive of actual results;
- Actions of government regulators, including potential future changes in the target range for the federal funds rate by the Board of Governors of the Federal Reserve;
- Sale of investment securities in a loss position before their value recovers, including as a result of asset liability management strategies or in response to liquidity needs;
- Any increases in FDIC assessments;
- Risks associated with potential cybersecurity incidents, data breaches or failures of key information technology systems;
- The ability to maintain adequate liquidity and regulatory capital, and comply with evolving federal and state banking regulations;
- Changes in legal or regulatory requirements or the results of regulatory examinations that could restrict growth;
- The ability to recruit and retain key management and staff;
- The ability to raise capital or incur debt on reasonable terms; and
- Effectiveness of legislation and regulatory efforts to help the U.S. and global financial markets.
There are many factors that could cause actual results to differ materially from those contemplated by forward-looking statements. Any forward-looking statement made by us in this press release or in any subsequent written or oral statements attributable to the Company are expressly qualified in their entirety by the cautionary statements above. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible for us to predict all of them. We undertake no obligation to update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as may be required by law.
Key Financial Measures
The attached tables highlight the Company’s key financial measures for the periods indicated (unaudited).
09.30.25 Alpine Banks of Colorado Consolidated Financial Statements
FAQ
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