ALPINE BKS COLO Stock Price, News & Analysis

Alpine Banks of Colorado (OTCQX: ALPIB) is a commercial banking holding company in the finance and insurance sector. Through its wholly owned subsidiary, Alpine Bank, the company operates as an independent, employee-owned banking organization. According to company disclosures, Alpine Banks of Colorado was founded in 1973 and is headquartered in Glenwood Springs, Colorado. Its Class B common stock trades on the OTCQX Best Market under the symbol ALPIB.

Alpine Banks of Colorado describes itself as a $6.6–$6.8 billion organization, based on total assets reported in recent communications. Through Alpine Bank, it serves approximately 170,000 customers and offers personal, business, wealth management, mortgage, and electronic banking services. The bank notes that it operates across Colorado’s Western Slope, mountains, and Front Range, reflecting a Colorado-focused community banking footprint.

The company emphasizes that Alpine Bank is independent and employee-owned. This ownership structure is highlighted in multiple public statements and is presented as part of its identity as a Colorado-focused bank. Alpine Bank has received a five-star rating from BauerFinancial, which the bank describes as a superior performance classification from an independent organization that analyzes and rates the performance of financial institutions in the United States.

Business model and services

Alpine Banks of Colorado functions as the parent company for Alpine Bank, which provides a range of banking services. Public descriptions state that Alpine Bank serves personal and business customers, offers mortgage services, and provides electronic banking options. The bank also operates a wealth management division, Alpine Bank Wealth Management, which manages client assets. The company notes that wealth management services are not FDIC insured, may lose value, and are not guaranteed by the bank.

The bank’s communications reference a loan portfolio that includes commercial real estate loans, residential real estate loans, real estate construction loans, commercial and industrial loans, and consumer loans. Deposits include demand deposits, money market accounts, interest-bearing checking accounts, savings accounts, and certificates of deposit, including brokered certificates of deposit. These elements, described in recent financial results releases, illustrate the core activities typical of a commercial banking institution.

Capital, ratings, and market presence

Alpine Bank is described as a “well capitalized” institution, with capital ratios that exceed minimum regulatory requirements for that designation, based on recent reported figures. The company also reports that its subordinated notes have been structured to qualify as Tier 2 capital under bank regulatory guidelines. These disclosures indicate that regulatory capital and balance sheet strength are key points of focus in the company’s public reporting.

Alpine Banks of Colorado has issued subordinated debt and has undertaken capital management actions such as stock repurchase programs and exchange offers between its Class A and Class B common stock. The company has highlighted that its Class B common stock trades on the OTCQX Best Market, while its Class A common stock does not have a publicly traded market. The exchange offer is described as a way to provide holders of Class A shares with the opportunity to obtain Class B shares that have some marketability.

Geographic focus and community banking orientation

In its public statements, Alpine Banks of Colorado repeatedly emphasizes its focus on Colorado communities and its role as a community bank. The bank states that it serves customers across Colorado’s Western Slope, mountains, and Front Range, and that it remains committed to operating as an independent, Colorado-focused bank. Leadership comments refer to community banking in Colorado and to supporting customers, communities, and employees in the regions it serves.

Historical references in company communications note that Alpine Bank has been active for more than 50 years, reflecting its founding in 1973 and long-standing presence in Colorado. Statements from leadership link the bank’s identity to community service, trust, and customer relationships within the state.

Ownership, governance, and capital actions

Alpine Banks of Colorado has described several corporate actions affecting its capital structure and governance. The company has amended and restated its articles of incorporation to increase the total authorized shares of common stock, increase authorized Class A common stock, and implement a forward stock split of Class A common stock. The company has also clarified the voting rights of its Class A and Class B common stock and the voting thresholds required for certain corporate actions.

The company’s board of directors has approved a stock repurchase program authorizing repurchases of Class B voting common stock up to a specified dollar amount, with repurchases potentially conducted through open-market purchases, block trades, negotiated private transactions, or trading plans under applicable securities regulations. The company has stated that this program may be modified, suspended, or terminated at its discretion and does not obligate it to repurchase a particular number of shares.

Alpine Banks of Colorado has also completed a private placement of subordinated notes due 2035, which it intends to use in part to redeem existing subordinated notes due 2030 and for general corporate purposes. The notes are not deposits and are not insured by the FDIC, and were offered and sold pursuant to exemptions from registration under U.S. securities laws.

Dividends and shareholder returns

The company regularly announces cash dividends on its Class A and Class B common stock. Recent announcements describe dividends per share payable to shareholders of record on specified dates. These recurring dividend declarations, together with stock repurchase authorizations and capital structure adjustments, indicate that Alpine Banks of Colorado actively manages its capital and shareholder returns within the framework it has publicly disclosed.

Risk factors and regulatory environment

In its financial results releases, Alpine Banks of Colorado includes forward-looking statements and outlines a range of risks that could affect its performance. These include the ability to attract new deposits and loans, demand for financial services in its market areas, competitive pricing, assumptions underlying allowances for loan losses, economic and market conditions, public health events, real estate-related loan concentrations, market interest rate volatility, liquidity and funding stability, cybersecurity risks, regulatory changes, and the ability to recruit and retain key management and staff. These disclosures provide context for how the company views its operating environment and the uncertainties that may influence future results.

Alpine Banks of Colorado also notes that it must maintain adequate liquidity and regulatory capital and comply with evolving federal and state banking regulations. It references the potential impact of regulatory examinations, FDIC assessments, and changes in legal or regulatory requirements on its growth and operations.

Stock information and classification

Alpine Banks of Colorado’s Class B common stock trades under the ticker symbol ALPIB on the OTCQX Best Market. The company identifies itself as a commercial banking entity within the broader finance and insurance sector. Its public communications consistently describe it as an independent, employee-owned banking organization with a Colorado-focused footprint and a long operating history dating back to 1973.