Alden State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.32 percentage points higher than in Q1 2026, at 196.98%. Alden State Bank ranks 13th of 72 Michigan banks on return on assets, in the upper half at 1.82% (Q2 2026). Alden State Bank reported 1.82% on return on assets for Q2 2026, 0.57 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.71% |
| Equity capital to assets | 12.58% |
| Tangible equity to tangible assets | 12.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.92% |
| Allowance for credit losses to loans | 2.53% |
| Reserve coverage of non-performing loans | 196.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 14.74% |
| Net interest margin | 4.33% |
| Efficiency ratio | 49.43% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.89% |
| Core deposits to total deposits | 85.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.81% |
| Securities to assets | 23.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.03% | 1.43% | 3.91% | 2.28% | -0.14% |
| Q4 2023 | 11.79% | 0.96% | 4.36% | 2.08% | -0.11% |
| Q1 2024 | 11.87% | 1.46% | 3.98% | 1.98% | -0.13% |
| Q2 2024 | 11.58% | 1.44% | 4.12% | 2.20% | -0.35% |
| Q3 2024 | 11.38% | 1.68% | 4.20% | 2.09% | -0.19% |
| Q4 2024 | 11.47% | 1.93% | 4.04% | 1.85% | -0.03% |
| Q1 2025 | 11.73% | 1.25% | 3.69% | 1.39% | 0.01% |
| Q2 2025 | 11.77% | 1.46% | 4.01% | 1.29% | -0.04% |
| Q3 2025 | 11.68% | 1.63% | 4.05% | 1.64% | -0.01% |
| Q4 2025 | 12.17% | 1.81% | 4.44% | 1.55% | 0.09% |
| Q1 2026 | 12.84% | 1.68% | 4.31% | 1.34% | 0.06% |
| Q2 2026 | 12.71% | 1.82% | 4.33% | 1.29% | -0.01% |
Alden State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alden State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17622) · FFIEC NIC profile (RSSD 388744)