Alden, NY · Cert 9831
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
80
Asset Quality
10
Profitability
57
Liquidity
90
Efficiency
58
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.
Alden, NY · Cert 9831
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.6% share · #10 of 20 inst. · $0.4B of $67.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.35% | 1.02% | 1.12% | 1.26% | 1.15% | 0.97% | 1.15% | +3 bps | |
| Return on Equity | 8.74% | 9.21% | 6.86% | 7.53% | 8.41% | 7.70% | 6.40% | 7.63% | +9 bps | |
| Net Interest Margin | 4.06% | 4.11% | 4.05% | 3.99% | 4.09% | 4.08% | 4.01% | 4.15% | +16 bps | |
| Efficiency Ratio | 65.74% | 64.02% | 70.96% | 66.76% | 64.09% | 66.76% | 68.32% | 65.20% | -155 bps | |
| Non-Interest Burden | 2.54% | 2.49% | 2.78% | 2.56% | 2.52% | 2.64% | 2.65% | 2.60% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.17% | 0.93% | 5.41% | 5.38% | 5.62% | 6.76% | 2.55% | 4.75% | -63 bps | |
| Loan Growth (YoY) | -2.64% | -1.39% | 1.64% | 3.69% | 9.37% | 7.38% | 5.17% | 5.63% | +194 bps | |
| Deposit Growth (YoY) | 2.00% | -0.08% | 5.19% | 4.83% | 5.38% | 6.74% | 2.00% | 4.69% | -14 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 1.25% | 1.00% | 1.17% | 1.06% | 1.65% | 2.55% | 2.63% | +146 bps | |
| Net Charge-Offs / Loans | 0.55% | 0.49% | 0.13% | 0.26% | 0.18% | 0.29% | 0.03% | 0.25% | -1 bps | |
| Allowance / Loans | 1.18% | 1.32% | 1.26% | 1.18% | 1.14% | 1.09% | 1.15% | 1.02% | -17 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.1x | 1.3x | 1.0x | 1.1x | 0.7x | 0.5x | 0.4x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.02% | 15.19% | 15.48% | 14.97% | 15.09% | 14.99% | 15.24% | 15.18% | +21 bps | |
| Total Risk-Based Capital | 24.35% | 24.59% | 23.63% | 23.37% | 24.07% | 23.85% | 24.18% | 23.65% | +28 bps | |
| Equity / Assets | 14.85% | 15.14% | 14.64% | 14.88% | 15.05% | 15.14% | 15.07% | 14.93% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.61% | 79.04% | 75.91% | 76.98% | 79.52% | 79.51% | 78.26% | 77.67% | +69 bps | |
| Liquid Assets / Assets | 23.60% | 19.49% | 22.32% | 20.57% | 19.29% | 18.38% | 19.77% | 19.00% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 177.37% | 184.48% | 178.69% | n/a | n/a | |
Alden, NY · Cert 9831 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 3 branches
Q2 2026
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.60% | 1.01% | 1.45% | Beats 57% | 268 / 629 | ||
| Return on Equity | 7.54% | 5.38% | 9.30% | 13.28% | Beats 36% | 404 / 629 | ||
| Net Interest Margin | 4.15% | 3.03% | 3.54% | 4.05% | Beats 79% | 131 / 629 | ||
| Efficiency Ratio | 65.20% | 58.35% | 67.79% | 79.08% | Beats 58% | 264 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.63% | 0.09% | 0.46% | 1.20% | Beats 9% | 531 / 581 | ||
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 11% | 519 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.56% | 11.24% | 13.84% | 18.77% | Beats 82% | 116 / 629 | ||
| Total Risk-Based Capital Ratio | 23.65% | 11.58% | 14.43% | 19.66% | Beats 82% | 115 / 629 | ||
| Equity / Assets | 14.93% | 9.09% | 10.65% | 13.80% | Beats 77% | 144 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.67% | 67.24% | 80.90% | 93.48% | 46th pctl | 320 / 594 | ||
| Loans / Assets | 65.63% | 53.31% | 67.71% | 78.15% | 45th pctl | 346 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||