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
Unfavorable gap of $11.9M · efficiency ratio beats 58% of banks under $1B in assets | 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 |