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Information about Alpine Bank's record of meeting the credit needs of the communities we serve, as required by the Community Reinvestment Act.
The Community Reinvestment Act (CRA) is a federal law enacted in 1977 to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound banking practices.
The CRA requires that each insured depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities, including mergers and acquisitions.
This public file is maintained by Alpine Bank as required by the CRA and its implementing regulations. It is available for public inspection at our main office during regular business hours, and the information below summarizes its contents.
A complete list of Alpine Bank branch locations, including addresses, hours of operation, and services available at each location, is maintained in this public file and updated whenever a branch is opened or closed.
A complete list of the products and services offered by Alpine Bank is maintained in this public file. The following summarizes the categories of products we offer:
Alpine Bank provides banking services without regard to race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
Alpine Bank's CRA assessment area consists of the counties in which we maintain branch locations and the surrounding communities we serve. A complete description of the assessment area, including census tract maps and demographic information, is maintained in this public file.
We review our assessment area annually to ensure it accurately reflects our actual lending and service footprint. The most recent review was conducted in 2026 and is reflected in the current public file.
Alpine Bank's most recent CRA Performance Evaluation, issued by our primary federal regulator, is available for review in this public file. You can also request a copy of the evaluation by contacting us directly or by visiting the public file room at our main office during business hours.
The Performance Evaluation summarizes our record in three areas:
Our most recent evaluation was conducted in 2024. The next evaluation is scheduled in accordance with the regulator's normal cycle.
Members of the public may submit written comments about Alpine Bank's CRA performance. Comments should be directed to the bank's main office at the address below and will be retained in the public file for the current and preceding two evaluation periods.
As of the effective date of this public file update, Alpine Bank has not received any written public comments related to its CRA performance.
This CRA Public File is available for public inspection during regular business hours at:
You may also request copies of any documents in the public file by contacting us. Copy fees may apply for large requests, as permitted by regulation.
Looking for a particular CRA document? The public file includes branch listings, product descriptions, assessment area maps, performance evaluations, and any public comments received. Contact us and we'll help you find what you need.
Our compliance team can answer questions about the file or provide copies of specific documents.