Alden State Bank
Alden, MI · Cert 17622 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
State charter, non-member · FDIC · 4 branches
Q2 2026
$318.4MAssets
$196.0MLoans
$276.4MDeposits
$40.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 86% of banks under $1B in assets operating in a single state (rank 102 of 755).
- Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets operating in a single state (rank 531 of 751).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.76%
Rank 102 of 755
Net Interest Margin
4.17%
Rank 184 of 755
Efficiency Ratio
50.85%
Rank 119 of 755
Equity / Assets
12.58%
Rank 219 of 755
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.72% | 1.06% | 1.45% | Beats 86% | 102 / 755 | |
| Return on Equity | 14.01% | 6.66% | 10.44% | 13.61% | Beats 77% | 171 / 755 | |
| Net Interest Margin | 4.17% | 3.15% | 3.68% | 4.17% | Beats 75% | 184 / 755 | |
| Efficiency Ratio | 50.85% | 55.75% | 64.78% | 75.61% | Beats 84% | 119 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.05% | Beats 61% | 293 / 751 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 531 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.56% | 13.81% | 17.74% | Beats 38% | 469 / 755 | |
| Total Risk-Based Capital Ratio | 12.71% | 11.72% | 14.46% | 18.53% | Beats 33% | 505 / 755 | |
| Equity / Assets | 12.58% | 8.93% | 10.56% | 13.13% | Beats 71% | 219 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 70.89% | 62.43% | 78.62% | 91.00% | 35th pctl | 489 / 755 | |
| Loans / Assets | 61.54% | 54.70% | 67.27% | 76.55% | 37th pctl | 473 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |