Alden State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alden State Bank of Alden, MI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.25% | +0.57% | 79th top |
| ROAE | 14.74% | 13.17% | +1.57% | 64th above |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 49.43% | 61.50% | -12.07% | 81st top |
| PPNR / Avg Assets | 2.34% | — | — | 85th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.47% | 1.87% | -0.40% | 71st above |
| Net Interest Spread | 3.65% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 0.93% | +0.36% | 22nd bottom |
| NPA / Total Assets | 0.90% | — | — | 23rd bottom |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 86th top |
| ACL / Total Loans | 2.53% | — | — | 97th top |
| ACL / NPLs (Coverage) | 196.98% | — | — | 47th below |
| Texas Ratio | 1.92% | 6.06% | -4.14% | 58th above |
| Provision / NCO | 26.92% | — | — | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.71% | 11.75% | +0.96% | 72nd above |
| Equity / Assets | 12.58% | 10.98% | +1.60% | 75th top |
| TCE / Tangible Assets | 12.58% | — | — | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.89% | 80.44% | -9.55% | 69th above |
| Core Deposit Ratio | 85.40% | 86.95% | -1.55% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.06% | — | — | 19th bottom |
| Loan Growth (Y/Y) | 2.96% | — | — | 35th below |
| Deposit Growth (Y/Y) | -1.53% | — | — | 15th bottom |
See Alden State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alden State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Alden State Bank profile, how to read a UBPR, or how this data updates.