Alden State Bank
Alden, MI · Cert 17622 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 87% of banks under $1B in assets operating in a single state (rank 97 of 746).
- Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets operating in a single state (rank 535 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.76%
Rank 97 of 746
Net Interest Margin
4.17%
Rank 179 of 746
Efficiency Ratio
50.85%
Rank 117 of 746
Equity / Assets
12.58%
Rank 212 of 746
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 87% | 97 / 746 | |
| Return on Equity | 14.01% | 6.74% | 10.51% | 13.63% | Beats 77% | 171 / 746 | |
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 76% | 179 / 746 | |
| Efficiency Ratio | 50.85% | 55.74% | 64.58% | 75.47% | Beats 84% | 117 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 62% | 283 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 28% | 535 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.55% | 13.75% | 17.60% | Beats 38% | 463 / 746 | |
| Total Risk-Based Capital Ratio | 12.71% | 11.71% | 14.33% | 18.43% | Beats 34% | 496 / 746 | |
| Equity / Assets | 12.58% | 8.90% | 10.51% | 13.06% | Beats 72% | 212 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 70.89% | 61.31% | 78.27% | 90.78% | 37th pctl | 471 / 746 | |
| Loans / Assets | 61.54% | 53.60% | 66.97% | 76.08% | 38th pctl | 460 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |