Alden State Bank (Alden, NY)
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Data as of · sourced from FFIEC call reports. How we update
Alden State Bank is an FDIC-insured commercial bank headquartered in Alden, NY, established in 1916 (FDIC certificate 9831), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $463.1M, up 4.8% from Q2 2025, the 74th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 22.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9831
- Headquarters
- Alden, NY
- Established
- 1916
- Total assets, Q2 2026
- $463.1M
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 22.56%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 022309611
- Latest call report
- Q2 2026, FFIEC 051 · Alden State Bank call report
- Asset rank in state
- 74th of 105 in New York
Problem loans are rising at Alden State Bank. Its balance sheet stood at $463 million at June 30, 2026, up 4.8% from a year earlier; it is based in Alden, New York. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.63% of loans from 1.17% a year earlier. It pays an average of 0.92% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 15.18% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
The commercial and industrial book ($51 million) is worsening: 5.72% of it is past due or on nonaccrual, up from 0.30% a year earlier. Net income for the quarter rose 14% from a year earlier, to $1.5 million. Credit is the area to watch: it carries problem assets equal to 11.1% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Alden State Bank reported a CET1 capital ratio of 22.56%, a return on assets of 1.33%, a nonperforming-loan ratio of 2.63% and a Texas ratio of 11.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Alden State Bank is the 74th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $463.1M, loans rose 1.8% and deposits rose 2.6%. 1-4 family residential loans made up 38.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.3%. The FDIC Summary of Deposits lists 3 offices for it, in Alden, NY, Lancaster, NY and East Amherst, NY; its Alden office books 71% of its branch deposits. By the capital ratios in its Q2 2026 call report, Alden State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 13216 Broadway St, Alden, NY 14004
- County
- Erie
- Metro Area
- Buffalo-Cheektowaga, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 1916
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $391.3M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $382K
- Average total assets
- $456.2M
- Average total loans
- $301.8M
- Average interest-bearing deposits
- $289.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9831
- Fed RSSD
- 414102
- Website
- www.aldenstate.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Alden State Bank's total assets ranged from $409.9M (Q3 2023) to $463.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$463.1M total assets against $442.0M; $393.9M total liabilities against $376.3M.
$300.8M net loans and leases against $284.3M; $391.3M total deposits against $373.7M.
$83.6M securities against $69.1M; $51.9M cash and balances due against $61.0M.
$6.0M total interest income against $5.6M; $991K total interest expense against $1.1M.
$5.0M net interest income against $4.5M.
$343K total noninterest income against $313K; $3.3M total noninterest expense against $3.0M.
$21K provision for credit losses against $100K.
$1.5M net income against $1.3M.
1.33% return on assets against 1.22%; 4.60% net interest margin against 4.42%.
22.56% CET1 capital ratio against 22.16%; 15.18% tier 1 leverage ratio against 14.97%.
Inside the full Alden State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAlden State Bank rankings
Its closest position to the top of a national ranking is 229 of 2,134, for CET1 ratio; its furthest is 2,046 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q4 2025) to 1.58% (Q4 2024) and its net interest margin ran from 4.33% (Q1 2026) to 4.72% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.56% | 1.33% | 2.63% | 11.06% | 4.60% |
| Q1 2026 | 22.94% | 0.97% | 2.55% | 10.62% | 4.33% |
| Q4 2025 | 22.66% | 0.84% | 1.65% | 6.98% | 4.54% |
| Q3 2025 | 22.82% | 1.52% | 1.06% | 5.20% | 4.72% |
| Q2 2025 | 22.16% | 1.22% | 1.17% | 5.57% | 4.42% |
| Q1 2025 | 22.38% | 1.05% | 1.00% | 5.83% | 4.35% |
| Q4 2024 | 23.33% | 1.58% | 1.25% | 6.08% | 4.60% |
| Q3 2024 | 23.10% | 1.56% | 1.50% | 6.22% | 4.43% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Alden State Bank (main office) | Alden , NY | 14004 | $277.3M |
| Lancaster Branch | Lancaster , NY | 14086 | $98.7M |
| Clarence Branch | East Amherst , NY | 14051 | $15.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 113 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 147 applications, 123 loans originated, $31.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Alden State Bank
What are Alden State Bank's total assets?
As of the Q2 2026 filing, Alden State Bank reported total assets of $463.1 million in its FFIEC call report.
Where is Alden State Bank headquartered?
It is headquartered in Alden, NY, United States.
When was Alden State Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Alden State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9831). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alden State Bank?
Alden State Bank's primary federal regulator is the Federal Reserve.
What is Alden State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Alden State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Alden State Bank's Texas Ratio?
Its Texas Ratio is 11.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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