BanksALDEN STATE BANK

ALDEN STATE BANK

ALDEN, MISmallEst. Jan. 1, 1934, midnightFDIC #17622RSSD #388744FDIC
Latest · 2025-12-31

ALDEN STATE BANK is an 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%. CET1 capital ratio: 12.32%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 0.91%. Operates 4 domestic branches.

Assets
$314M
Deposits
$274M
Loans
$196M
Equity
$39M

Profitability

Return on Assets (ROA)1.78%
Return on Equity (ROE)15.09%
Net Interest Margin4.57%
Yield on Assets6.03%
Cost of Funds1.54%

Asset Quality

NPL Ratio0.20%
Net Charge-Off Ratio0.01%
Texas Ratio0.91%
NPA Ratio0.13%
ACL / Loans2.54%

Capital & Liquidity

CET1 Ratio12.32%
Tier 1 Capital12.32%
Total Capital Ratio12.93%
Leverage Ratio12.17%
Loan-to-Deposit71.51%

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