# ALPINE CAPITAL BANK
NEW YORK, NY · FDIC certificate 35377 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $237.3M | |
| Deposits | $201.0M | |
| Loans and leases | $137.4M | |
| Total equity | $33.9M | |
| Loans / deposits | 67.50% (p41 of band) | 73.59% |
| Liquid assets / assets | 40.48% (p64 of band) | |
| Uninsured deposits / deposits | 62.04% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.74% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | 0.12% (p99 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | 0.68% (p24 of band) | 1.17% |
| Net interest margin | 4.40% (p73 of band) | 3.93% |
| Efficiency ratio | 71.94% (p65 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 55.52% (p82 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $10,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 23.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | NIM <2.5% |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | uninsured deposits >50% | capital falling |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 3 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2014-03 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | charge-offs p90, construction >100% equity |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | brokered >10% |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 1 |  | construction >100% equity, brokered >10%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 2 | brokered >10% |  |
| 2017-09 | 2 | construction >100% equity | brokered >10% |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | deposits shrinking |  |
| 2018-06 | 2 |  | deposits shrinking |
| 2018-09 | 4 | deposits shrinking, assets shrinking |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 | uninsured deposits leaving | construction >100% equity |
| 2019-09 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 2 |  | capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | construction >100% equity |  |
| 2021-03 | 4 | capital falling |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | NIM <2.5% |  |
| 2021-12 | 6 | reserve under noncurrent |  |
| 2022-03 | 5 |  | capital falling |
| 2022-06 | 5 |  |  |
| 2022-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity, NIM <2.5% |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-09 | 3 | deposits shrinking |  |
| 2024-12 | 1 |  | assets shrinking, deposits shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

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

- 2021-12-20 [TAG Associates Co-Founder Stanley Pantowich to Retire - citybiz](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVmtFWC1iN3B4U2dtMldNY25wT0swLXdFRE0xRXVndTRJVFNIMHNiM0xQeEFCLVVPdzJlQldCZG1JbnNaSGVFbGZWV3ljSDFsdTBpQmVKRWhBN1Jzdmx3aDRZVGxwR1N1MVJPQzNWSF9FbmFtV0xiUE9jN3ZkS045bUZJZG90NjFMZDlUUElpdUR4NS0zOVNv?oc=5) · citybiz
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- 2024-04-05 [Upper East developer Penny Bradley found guilty of mortgage fraud - The Real Deal](https://news.google.com/rss/articles/CBMioAFBVV95cUxORXQzSlUxYjYxaTlUajdkSXpnRm5XMGVYV2YzRUtjV0dBc2p6endlcmxaSm1YNnJKeGNWaDdvQVBvcXJDbmZsb2xZOUpra203Nzg4azFmaHRMUjNtVTRlOWZQMGhKRUdtTU1uS3pmbG5PMm9NTWM0WHZ6YmE5bzlpQXhKeXplSTRuU2tzMldCZnBWTDB6c2c3WE9sZ1N6RHFQ?oc=5) · The Real Deal
- 2017-04-20 [Plans Revealed For 20-Story Tower At 2973 Kennedy Blvd In Journal Square - Jersey Digs](https://news.google.com/rss/articles/CBMijwFBVV95cUxNOUcyMC0wcjhmWThQeHh6YVgzbXlIcGphdXJlVTFfd252M19ORjNKTzJlamlSd2xBRU1QUTdkZFh2ZEd5emV0cGZIMm1zeGZBaC1yZFBDem5JZ0FqVmQ2aUtxSXpyemNMaFA5SThtOTBDWjFJZ1V4UU51SWpLOU4yelptX2tETjF2ZlU4ckJOYw?oc=5) · Jersey Digs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35377 (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/49.json (key "35377", 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