ALDEN STATE BANK

ALDEN, MI | Small | Est. Jan. 1, 1934, midnight | FDIC #17622 | RSSD #388744 | FDIC
Latest Report: 2025-12-31

ALDEN STATE BANK is asn small FDIC-insured commercial bank headquartered in ALDEN, MI, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $314M and total deposits of $274M. Profitability stands at 1.78% ROA and 15.09% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 12.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.91%. FDIC Certificate #17622.

Assets

$314M

Deposits

$274M

Loans

$196M

Equity

$39M

Profitability

Return on Assets (ROA) 1.78%
Return on Equity (ROE) 15.09%
Net Interest Margin (NIM) 4.57%
Yield on Assets 6.03%
Cost of Funds 1.54%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.91%
NPA Ratio 0.13%
ACL / Loans 2.54%

Capital & Liquidity

CET1 Ratio 12.32%
Tier 1 Capital 12.32%
Total Capital Ratio 12.93%
Leverage Ratio 12.17%
Loan-to-Deposit 71.51%

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