FDIC Cert #35377 · New York, New York · Est. 2000

Alpine Capital Bank - FDIC Bank Health Profile

A community-scale look at Alpine Capital Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$222M
Total assets
B
Health grade · Good
0.15%
Return on assets
28.8%
Tier 1 capital

Data updated July 2026

The verdict

Alpine Capital Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 28.82% Tier 1, 0.15% ROA, 88% efficiency ratio.

#2,887
largest of 4,313 FDIC banks by assets
33rd
percentile by asset size, nationally
28.82%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 35377 · NY B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3238/4307
  • PHOTO-FINISH Farmers Building and… · PA
  • TIER1-WELL 28.8% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.15% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Farmers Building and Savings Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Alpine Capital Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Alpine Capital Bank · NY · t…67/100Applied Bank · DE · near67/100Farmers Building and… · PA ·…67/100Natbank, National As… · FL ·…67/100The Bank of Jackson · TN · n…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Alpine Capital Bank · July 2026

What Alpine Capital Bank's Call Report plate shows

Alpine Capital Bank (FDIC Cert #35377) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,238 of 4,307. Tier 1 capital prints at 28.82%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.15%. Balance-sheet scale is $222M, 2,887th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Building and Savings Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Alpine Capital Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Alpine Capital Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Alpine Capital Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Alpine Capital Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Alpine Capital Bank's composite health score
Tier 1 Capital Ratio (28.82%) 40/40
Return on Assets (ROA) (0.15%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (87.61%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$222M

Total balance-sheet footings

Total Deposits

$185M

Customer-funded liabilities

Net Loans

$105M

Outstanding loan book

Net Income

$315K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 27.42% 28.82% 30.22%
Basel III capital ratios - Alpine Capital Bank

Where Alpine Capital Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Alpine Capital Bank's score of 67/100 falls in the highlighted band.

Alpine Capital Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Alpine Capital Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Alpine Capital Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Alpine Capital Bank's $222M falls in the highlighted band.

Safety ratios for Alpine Capital Bank

Tier 1 capital ratio
Well-capitalized 10%

28.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
28.82%
Texas Ratio
0.00%
Equity Capital
$34M

What these ratios mean →

Profitability metrics: Alpine Capital Bank

Return on Assets (ROA)
7th percentile nationally
0.15%
Return on Equity (ROE)
0.94%
Efficiency Ratio
87.61%

What these mean →

Income & expense at Alpine Capital Bank

$13M
Interest Income
$147K
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Alpine Capital Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Alpine Capital Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($222M here), outside New York so the neighborhood is not state containment.

Merchants State Bank $222M · SD First Bank of Coastal Georgia $221M · GA Crossbridge Community Bank $221M · WI The Citizens Bank $221M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Alpine Capital Bank (FDIC Cert #35377) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Alpine Capital Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%