ALDEN STATE BANK

ALDEN, NY | Small | Est. Oct. 5, 1916, midnight | FDIC #9831 | RSSD #414102 | FED
Latest Report: 2025-12-31

ALDEN STATE BANK is asn small FDIC-insured commercial bank headquartered in ALDEN, NY, established in Oct. 5, 1916, midnight. As of 2025-12-31, the bank reported total assets of $448M and total deposits of $378M. Profitability stands at 0.77% ROA and 5.12% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 22.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.65% and a Texas Ratio of 6.98%. FDIC Certificate #9831.

Assets

$448M

Deposits

$378M

Loans

$300M

Equity

$68M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 5.12%
Net Interest Margin (NIM) 4.62%
Yield on Assets 5.66%
Cost of Funds 1.13%

Asset Quality

NPL Ratio 1.65%
Net Charge-Off Ratio 0.29%
Texas Ratio 6.98%
NPA Ratio 1.11%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 22.63%
Tier 1 Capital 22.63%
Total Capital Ratio 23.85%
Leverage Ratio 14.97%
Loan-to-Deposit 79.51%

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