Alpine Banks Colorado · OTC:ALPIB
Alpine Banks Colorado — Alpine Banks of Colorado — Investor Presentation (2026)
21 slides from Alpine Banks Colorado's investor presentation, Apr 21, 2026
Slide 1: Shareholder Presentation For Year Ended December 31, 2025
Shareholder Presentation For Year Ended December 31, 2025
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation 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,”
Slide 3: In Memoriam: Bob Young
In Memoriam Bob Young July 11, 1938 – December 11, 2025
Slide 4: Vision, Mission and Values
Vision, Mission and Values Vision “Alpine Bank will be the preferred financial services provider for individuals and businesses in the communities we serve in Colorado.” Mission “To help our customers, employees, shareholders and community members achieve their dreams.” Values Independence Integrity
Slide 5: Alpine Bank Constants
Alpine Bank Constants • Increase Shareholder Value WHY WE • Serve Community and Create Opportunities for our Customers EXIST and Employees HOW WE • We give a damn • We work collaboratively BEHAVE • We act with integrity • We work entrepreneurially WHAT WE • We provide tailored, flexible financial se
Slide 6: Earned Independence: Employee-Owned Bank
EARNED dbs Alpine Bank jNDEPENDENCE@ p Ni E E-OWNED ANC artDO COMPANY » fy . DA Local decision 75th percentile of making peer bank ROA (1.40%) ‘on between Manage growth to $11B bank and employee success Maintain strong asset quality 7%salary contribution plus Steady loan to deposit ratio dividends R
Slide 7: 2025 Summary data
2025 Summary data • Net Income of $70.2 million • ROA of 1.04% • ROE of 12.96% • Efficiency Ratio of 66.87% • Total assets of $6.85 billion • Total loans of $4.35 billion • Total deposits of $6.05 billion Source: Information as of December 31 for the year indicated 7
Slide 8: Net Income 2020-2025 and 5 Year Cumulative Earnings
Net Income 2020-2025 $80,000 $350,000 YTD Earnings 5 yr. Cumulative Earnings $70,000 $300,000 $60,000 $250,000 5 Year Cumulative Earnings $50,000 YTD Earnings ($000) $200,000 $40,000 $150,000 $30,000 $100,000 $20,000 $50,000 $10,000 $0 $0 2020 2021 2022 2023 2024 2025 Source: Bank holding company In
Slide 9: Capital Ratios
Capital Ratios Regulatory Capital Ratios 18.00% 16.73% 16.00% 14.00% 12.61% 14.01% • Capital levels in excess 12.00% 10.00% 8.00% 9.88% 6.50% 8.00% 10.00% of regulatory minimums 6.00% 5.00% 4.00% 2.00% • Increase in capital levels 0.00% Tier 1 Leverage Ratio Common Equity Tier 1 Tier 1 Risk Based Ca
Slide 10: 10 Year Growth Trends
10 Year Growth Trends $8,000,000 $7,000,000 $6,000,000 Assets $5,000,000 Deposits ($000) $4,000,000 Loans $3,000,000 $2,000,000 $1,000,000 $0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Source: Bank holding company Information as of December 31 for the year indicated regulatory reports 10
Slide 11: Diversified Loan Portfolio
Diversified Loan Portfolio Yield on Loans and Leases (TE) 7.00% 6.50% 6.23% 6.20% 6.00% 5.80% 6.10% 5.92% 5.50% 5.54% Commercial Real 5.00% 4.79% 4.71% Estate 4.64% 31% 4.50% 4.59% 1 - 4 Family 4.28% 4.16% 4.00% 44% 2020 2021 2022 2023 2024 2025 Alpine Banks of Colorado Peer Loans • 44% of loans are
Slide 12: Loan Portfolio Segmentation
Loan Portfolio Segmentation COMMERCIAL REAL ESTATE Other Hotel/Motel Health Care Industrial Warehouse Retail Office CONSTRUCTION AND LAND DEVELOPMENT Land 1 - 4 FAMILY REAL ESTATE Development End User Land Loans Other Home Equity Loan Speculative Construction In House Cons Owner Mortgage Occ Product
Slide 13: Core Deposit Base
Core Deposit Base Cost of Interest-Bearing Deposits 3.50% 2.97% Other Certificates Brokered CD's 2.68% of Deposit 3.00% 1% 3% 2.19% 2.50% 2.00% 2.54% 2.02% Certificates of 1.50% 1.76% Deposit >= 1.00% 0.62% 0.51% $100,000 8% 0.27% 0.50% 0.09% 0.04% 0.09% 0.00% Non-Interest Bearing Checking 2020 2021
Slide 14: Deposit Market Share Update
Deposit Market Share Update 14
Slide 15: Colorado Deposit Market Share
Colorado Deposit Market Share Statewide (as of June 30, 2025) State Colorado Deposits Market Name (Headquarters) Offices ($000) Share 1 Wells Fargo Bank, N.A. SD 120 32,653,285 18.13% 2 FirstBank* CO 82 22,201,456 12.33% 3 JPMorgan Chase Bank, N.A. OH 105 22,125,162 12.29% 4 U.S. Bank N.A. OH 103 17
Slide 16: De Novo Market Expansion
De Novo Market Expansion • Entered Front Range market in 2014 with the opening of the Union Station Branch • We now have 7 branch locations in the Front Range of Colorado • Colorado Springs and Fort Collins branches opened in the 4th Quarter 2022 • Branch in Aurora, Colorado opened on October 15, 20
Slide 17: Stock Information and Employee Ownership
Alpine Banks of Colorado Stock Information as of 12/31/25 • Class B Voting Common Stock – One vote per share – Traded on OTCQX® Best Market – Ticker: ALPIB – 8,146,518 shares outstanding • Class A Voting Common Stock – Twenty votes per share – Not publicly traded – Class A shares have 95% of voting
Slide 18: Trading Volume
Trading Volume Monthly Trading Volume in Shares Monthly Trading Volume in Dollars 160,000 $5,000,000 $4,500,000 140,000 $4,000,000 120,000 $3,500,000 100,000 $3,000,000 80,000 $2,500,000 $2,000,000 60,000 $1,500,000 40,000 $1,000,000 20,000 $500,000 - $- Apr-20 Apr-21 Apr-22 Apr-23 Apr-24 Apr-25 Jan
Slide 19: Retiring Alpine Bank Directors
Retiring Alpine Bank Directors Steve Briggs Linda Childears Thank you for your remarkable contributions and years of service 19
Slide 20: Welcome New Board Member – Mike Burns
Welcome New Board Member – Mike Burns • Mike has worked for Alpine Bank for nearly three decades and was named Chief Financial Officer on August 10, 2025. He spent most of his career building retail markets and moved to Durango from Montrose in early 2005 to develop Alpine’s presence in southwest Co
Slide 21: As we navigate 2026, we remain committed to our customers
As we navigate 2026, we remain a bank that is deeply committed to our customers, employees, shareholders and communities. The vision that Bob Young created, from our investment strategy to our volunteerism and our philanthropic giving, has clearly made a difference in our Colorado communities and th
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