| Metric | Alden State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 7.6% | 11.9% | -4.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $463.1M | $391.3M | $300.8M | $69.1M | $2.6M | 1.15% | 4.46% | 1.72% |
| Q1 2026 | $452.4M | $381.4M | $295.1M | $68.2M | $1.1M | 0.97% | 4.27% | 1.68% |
| Q4 2025 | $447.9M | $377.6M | $297.0M | $67.8M | $5.1M | 1.15% | 4.50% | 1.11% |
| Q3 2025 | $446.7M | $376.9M | $296.3M | $67.2M | $4.1M | 1.26% | 4.47% | 0.82% |
| Q2 2025 | $442.0M | $373.7M | $284.3M | $65.8M | $2.4M | 1.12% | 4.34% | 0.87% |
| Q1 2025 | $441.1M | $373.9M | $280.3M | $64.6M | $1.1M | 1.02% | 4.24% | 0.90% |
| Q4 2024 | $419.6M | $353.7M | $275.9M | $63.5M | $5.6M | 1.35% | 4.42% | 0.97% |
| Q3 2024 | $422.9M | $357.6M | $270.8M | $62.8M | $4.0M | 1.27% | 4.33% | 0.97% |
Loan mix (Q2 2026): real estate $250.6M · commercial $50.6M · consumer $2.7M · securities $83.6M
| Ratio | Alden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 62.9% | 57th |
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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