Alden State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.03 percentage points higher than in Q1 2026, at 161.91%. Alden State Bank ranks 69th of 105 New York banks on loan-to-deposit ratio, in the lower half at 77.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Alden State Bank sits 3.16 points lower, at 77.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $303.9M |
| Net loans and leases | $300.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.63% |
| Loan-to-deposit ratio | 77.67% |
| Net loans to equity capital | 4.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.55% |
| Multifamily (5+ residential) | 8.14% |
| Commercial and industrial | 16.65% |
| Consumer | 0.87% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.91% |
| Construction concentration (Tier 1 capital + allowance) | 25.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $281.4M | $350.6M | 21.07% | 13.03% | 1.20% |
| Q4 2023 | $283.5M | $354.0M | 21.78% | 13.79% | 1.18% |
| Q1 2024 | $279.3M | $355.5M | 22.09% | 14.24% | 1.23% |
| Q2 2024 | $277.5M | $356.5M | 22.26% | 14.23% | 1.23% |
| Q3 2024 | $274.0M | $357.6M | 22.77% | 15.93% | 1.22% |
| Q4 2024 | $279.6M | $353.7M | 24.02% | 16.36% | 1.15% |
| Q1 2025 | $283.9M | $373.9M | 23.61% | 16.89% | 1.08% |
| Q2 2025 | $287.7M | $373.7M | 23.39% | 17.60% | 1.06% |
| Q3 2025 | $299.7M | $376.9M | 24.48% | 16.26% | 0.99% |
| Q4 2025 | $300.2M | $377.6M | 24.49% | 15.97% | 0.96% |
| Q1 2026 | $298.5M | $381.4M | 25.47% | 16.67% | 0.95% |
| Q2 2026 | $303.9M | $391.3M | 29.55% | 16.65% | 0.87% |
Alden State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alden State Bank, freeSource: Call Report Schedule RC-C, 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)