| Metric | Alden State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 14.3% | 11.9% | +2.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.4M | $276.4M | $191.0M | $40.1M | $2.8M | 1.77% | 4.47% | 0.27% |
| Q1 2026 | $317.9M | $276.3M | $196.8M | $39.5M | $1.3M | 1.70% | 4.43% | 0.27% |
| Q4 2025 | $313.9M | $273.6M | $190.7M | $38.7M | $4.9M | 1.54% | 4.10% | 0.13% |
| Q3 2025 | $335.4M | $295.5M | $184.3M | $38.1M | $3.5M | 1.44% | 3.95% | 0.13% |
| Q2 2025 | $318.2M | $280.7M | $185.3M | $35.9M | $2.1M | 1.34% | 3.88% | 0.11% |
| Q1 2025 | $319.2M | $281.2M | $176.9M | $35.9M | $974K | 1.24% | 3.72% | 0.29% |
| Q4 2024 | $307.1M | $270.7M | $175.8M | $34.1M | $4.8M | 1.63% | 4.16% | 0.24% |
| Q3 2024 | $321.7M | $284.5M | $170.5M | $34.9M | $3.4M | 1.52% | 4.16% | 0.24% |
Loan mix (Q2 2026): real estate $161.3M · commercial $26.7M · consumer $6.8M · securities $73.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 18th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Alden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Alden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Alden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Alden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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