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Alden State Bank

Alden, NY · Cert 9831

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alden State Bank

Alden, NY · Cert 9831

State charter, Fed member · FED · 3 branches

Q2 2026

$463.1MAssets
$303.9MLoans
$391.3MDeposits
$69.1MEquity
Loan mix
82%RE $245.9M17%C&I $49.8M1%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $250.4M36%Noninterest $140.8MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.98%Q2 ’255.07%Q2 ’26+0%+4%

Non-interest income vs. expense

2.88%Q2 ’242.86%Q2 ’252.89%Q2 ’26+3%+1%

Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.6% share · #10 of 20 inst. · $0.4B of $67.0B

Executive Summary

  • Earnings: ROA of 1.15%, up 3 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 2.63% of loans (+146 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 15.18%, up 21 bps from a year ago.
  • Funding: loans stand at 77.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+16 bps YoY

Efficiency Ratio (YTD, annualized)

65.20%-155 bps YoY

Tier 1 Leverage Ratio

15.18%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.26%1.15%0.97%1.15%+3 bps
Return on Equity7.53%8.41%7.70%6.40%7.63%+9 bps
Net Interest Margin3.99%4.09%4.08%4.01%4.15%+16 bps
Efficiency Ratio66.76%64.09%66.76%68.32%65.20%-155 bps
Non-Interest Burden2.56%2.52%2.64%2.65%2.60%+4 bps
Growth
Asset Growth (YoY)5.38%5.62%6.76%2.55%4.75%-63 bps
Loan Growth (YoY)3.69%9.37%7.38%5.17%5.63%+194 bps
Deposit Growth (YoY)4.83%5.38%6.74%2.00%4.69%-14 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.06%1.65%2.55%2.63%+146 bps
Net Charge-Offs / Loans0.26%0.18%0.29%0.03%0.25%-1 bps
Allowance / Loans1.18%1.14%1.09%1.15%1.02%-17 bps
Allowance Coverage of NPLs1.0x1.1x0.7x0.5x0.4x-0.6x
Capital
Tier 1 Leverage Ratio14.97%15.09%14.99%15.24%15.18%+21 bps
Total Risk-Based Capital23.37%24.07%23.85%24.18%23.65%+28 bps
Equity / Assets14.88%15.05%15.14%15.07%14.93%+5 bps
Liquidity & Funding
Loans / Deposits76.98%79.52%79.51%78.26%77.67%+69 bps
Liquid Assets / Assets20.57%19.29%18.38%19.77%19.00%-156 bps
CRE / Total Capitaln/a177.37%184.48%178.69%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Alden State Bank

Alden, NY · Cert 9831 · Peer group: banks under $1B in assets (n=581-629)

State charter, Fed member · FED · 3 branches

Q2 2026

$463.1MAssets
$303.9MLoans
$391.3MDeposits
$69.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 82% of banks under $1B in assets (rank 116 of 629).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets (rank 531 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.13%

Rank 268 of 629

Net Interest Margin

4.15%

Rank 131 of 629

Efficiency Ratio

65.20%

Rank 264 of 629

Equity / Assets

14.93%

Rank 144 of 629

Non-interest income vs. expense

$1.3M$13.2MINCOMEEXPENSE
Unfavorable gap of $11.9M · efficiency ratio beats 58% of banks under $1B in assets
Bank 65.20%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.60%1.01%1.45%Beats 57%268 / 629
Return on Equity7.54%5.38%9.30%13.28%Beats 36%404 / 629
Net Interest Margin4.15%3.03%3.54%4.05%Beats 79%131 / 629
Efficiency Ratio65.20%58.35%67.79%79.08%Beats 58%264 / 629
Asset Quality
Nonperforming Loans / Loans2.63%0.09%0.46%1.20%Beats 9%531 / 581
Net Charge-Offs / Loans0.14%n/a0.01%0.06%Beats 11%519 / 581
Capital
Tier 1 Capital Ratio22.56%11.24%13.84%18.77%Beats 82%116 / 629
Total Risk-Based Capital Ratio23.65%11.58%14.43%19.66%Beats 82%115 / 629
Equity / Assets14.93%9.09%10.65%13.80%Beats 77%144 / 629
Liquidity & Funding
Loans / Deposits77.67%67.24%80.90%93.48%46th pctl320 / 594
Loans / Assets65.63%53.31%67.71%78.15%45th pctl346 / 629
Brokered Deposits / Depositsn/aNot reported for this institution