# ALAMOSA STATE BANK
ALAMOSA, CO · FDIC certificate 13947 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $340.3M | |
| Deposits | $297.8M | |
| Loans and leases | $178.8M | |
| Total equity | $41.5M | |
| Loans / deposits | 59.36% (p12 of band) | 82.04% |
| Liquid assets / assets | 44.81% (p88 of band) | |
| Uninsured deposits / deposits | 46.27% (p93 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.85% (p78 of band) | 10.81% |
| Unrealized securities loss / equity | -2.98% (p73 of band) | -8.10% |
| AOCI / equity | -1.45% (p13 of band) | |
| ROA (annualized) | 2.39% (p93 of band) | 1.28% |
| Net interest margin | 4.02% (p56 of band) | 3.91% |
| Efficiency ratio | 38.92% (p4 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 6.96% (p11 of band) | |
| Auto loans | $4.2M (2.37% of loans; DQ 3.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2021-12 | 0 |  | uninsured deposits >50%, capital falling |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 1 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-09 | 3 | uninsured deposits >50%, securities losses >30% of equity |  |
| 2022-12 | 2 |  | uninsured deposits >50% |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 0 |  | deposits shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-28 [Joe Martinez new CEO of SLV Federal Bank - alamosacitizen.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE0wWlRHSElRVVhrY2h2X181UVVaSmdPMDNHQkZSREZCWGtmS1FBX2V0T1pwZ1RaQ04ycXNJazE0VlFISDNrdm50bkQ4LVMzRnBMN0xZYjhNUzNGRmFIcGNrcS11V1J3elhydjAxWk9zdU1kY2FFd3hFNVBkVEo?oc=5) · alamosacitizen.com
- 2025-10-30 [The DA’s new digs - Alamosa Valley Courier](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5DQUpYUHZTa0pLLTJvM0FHb254NzN2Um4tVWR5cXpDMDlFTDJxVWY0QmRSMDhaUHJmM1NCRzJSN213bDFhakFrMVd4bXZENmM0cWxaRy1tS19xT2JvRk1xd2M5QklHaklh?oc=5) · Alamosa Valley Courier
- 2026-02-26 [Business owners bristle at state highway access control plan - alamosacitizen.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZmVsalVwSDNDMHduMmdEaDI4S0MyME5HbGpxYk9vdEVtRkRaV3ZqNE45YjRyTG5GMnRTcmdHcDNRQi03aGRDNEFLYXhkLTJqNUdDRW9ONGx0Z0dkME80RUdwNkpMZXBxTE9RdndRMURrWm1sbVl6UndwN1pjVHFxMmJ5TE9uQk1sLWVwamxqR3hhZmNpOFRr?oc=5) · alamosacitizen.com
- 2019-04-03 [Experienced lenders join Alamosa State Bank - The Monte Vista Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRVozbjh0RzNjZ2RvRnVTWkljZWV4VEVQSzlsMENsUE4wSmxmQnlKeTB6OWxDSEdJUmczQU96RU5GWHVrT2gxQ0liUnUyOU1YV2R4Uk02czQtN0piNmd3aE92Tk03TEpSMTRhSzc0bi1zZHFQWkVhbXJFTHI5dldlb0t0OVpuSW1hb0dZWXpDTlFsVENIY2c?oc=5) · The Monte Vista Journal
- 2025-10-21 [Simpson, Martinez recognized for support of local community banks - alamosacitizen.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYnIyUDVMTWZuLU9jVGpTSUQxdEhqckR4Y2dfMVhTUEM1YXo2V0UxUk80My1kUVJaelBOdDZhdGF6VnowYWU3Vm1ySzEtR2JBTzRHeWl6WTl6QWktVUpYNTVIVTdMajhlSUJSWFBLRVNITktrX2QteEtmQkpiR2U4QzRENTZRa2RFMG52RzlYdEdDdHR4MThPTEtNMVQ?oc=5) · alamosacitizen.com
- 2025-07-18 [Alamosa projects move forward - Alamosa Valley Courier](https://news.google.com/rss/articles/CBMieEFVX3lxTE94NkYtZkJfUWh3V2VsWmlxNHl4UW84bG1WWndTSnJuWFpiRW1jU2FQY2lDdlM3YjJoTDhIN0g0R3hDOV9XS05YMTFxQXAxZ2R0ZUhQbGJOcVhnXzJPeEhiaFhrRlV2M2s3N2NRNS0tU3QxLV9QVVRLRg?oc=5) · Alamosa Valley Courier
- 2026-06-15 [Alamosa cancels July 4 fireworks - alamosacitizen.com](https://news.google.com/rss/articles/CBMickFVX3lxTE4yTWd6b0x1T0RvMncwUXQ0UmZKYm4zNmtEdWptWGNGOG1xeWc4VWZiSHh1cDJjNmxXU3J5RGhtMnV4RjhPWlFwa0IyWjlYaGVOVFZIYUpfU3VPWi1qWFp1UmpwZUpsZUd5YXcyRjhYakktZw?oc=5) · alamosacitizen.com
- 2025-08-04 [Gregory King Obituary (2025) - Alamosa, CO - Rogers Family Mortuary - Alamosa - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNWNybmVkRzJ6YWprTURibGtlVDNWYkNBcTlIbGhtTUU2OW5CVjQtcFF5MnU3aTRDYTJ3czduYk5LLUdOVUhqUGhQakdBbWFjQl9qV2ZzbXB6a0lBSU8tTkNlTThtampJeV9XZVhob0xfcUN4VVVUN1Z1QWw1TVdPRA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13947 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "13947", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide