Alden State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.4% from Q1 2026 to Q2 2026, ending at $306.9M against $296.9M. It was the largest change among the key lines on this page. Within New York, Alden State Bank is 20th of 82 on CET1 ratio, 22.56% as of Q2 2026, above the middle of the field. Alden State Bank reported 22.56% on CET1 ratio for Q2 2026, 7.49 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.56% |
| Tier 1 risk-based capital ratio | 22.56% |
| Total risk-based capital ratio | 23.65% |
| Tier 1 leverage ratio | 15.18% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $69.2M |
| Tier 1 capital | $69.2M |
| Total risk-based capital | $72.6M |
| Total equity capital | $69.1M |
| Risk-weighted assets | $306.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.93% |
| Tangible equity to tangible assets | 14.93% |
| Equity capital to average assets | 15.15% |
| Internal capital growth rate | 6.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $263K |
| Common stock surplus | $1.0M |
| Retained earnings | $68.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$117K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.90% | 20.90% | 22.16% | 14.21% | $277.0M |
| Q4 2023 | 21.23% | 21.23% | 22.48% | 14.40% | $281.5M |
| Q1 2024 | 22.02% | 22.02% | 23.27% | 14.83% | $275.6M |
| Q2 2024 | 22.04% | 22.04% | 23.25% | 14.64% | $278.5M |
| Q3 2024 | 23.10% | 23.10% | 24.35% | 15.02% | $271.1M |
| Q4 2024 | 23.33% | 23.33% | 24.59% | 15.19% | $273.9M |
| Q1 2025 | 22.38% | 22.38% | 23.63% | 15.48% | $288.9M |
| Q2 2025 | 22.16% | 22.16% | 23.37% | 14.97% | $296.0M |
| Q3 2025 | 22.82% | 22.82% | 24.07% | 15.09% | $293.1M |
| Q4 2025 | 22.66% | 22.66% | 23.85% | 14.99% | $297.6M |
| Q1 2026 | 22.94% | 22.94% | 24.18% | 15.24% | $296.9M |
| Q2 2026 | 22.56% | 22.56% | 23.65% | 15.18% | $306.9M |
Alden State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alden State Bank, freeSource: Call Report Schedule RC-R, 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 9831) · FFIEC NIC profile (RSSD 414102)