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, NY against its peer group of 2672 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 Behind the peer average, ahead of the median peer. | 1.33% | 1.35% | -0.02% | 55th above |
| ROAE | 8.85% | 12.06% | -3.21% | 29th below |
| Net Interest Margin | 4.60% | 3.90% | +0.70% | 82nd top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.11% | 63.15% | -1.04% | 48th below |
| PPNR / Avg Assets | 1.75% | 1.64% | +0.11% | 60th above |
| Yield on Earning Assets | 5.51% | 5.65% | -0.14% | 46th below |
| Cost of Funds | 0.92% | 1.85% | -0.93% | 93rd top |
| Net Interest Spread | 3.90% | 3.35% | +0.55% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.63% | 0.92% | +1.71% | 8th bottom |
| NPA / Total Assets | 1.72% | 0.67% | +1.05% | 10th bottom |
| NCO / Avg Loans | 0.48% | 0.14% | +0.34% | 6th bottom |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 38.67% | 1645.82% | -1607.15% | 6th bottom |
| Texas Ratio | 11.06% | 7.15% | +3.91% | 20th bottom |
| Provision / NCO | 53.93% | 1189.89% | -1135.96% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.56% | 20.83% | +1.73% | 84th top |
| Tier 1 Ratio | 22.56% | 20.86% | +1.70% | 84th top |
| Total Capital Ratio | 23.65% | 21.93% | +1.72% | 84th top |
| Leverage Ratio | 15.18% | 12.46% | +2.72% | 87th top |
| Equity / Assets | 14.93% | 11.67% | +3.26% | 88th top |
| TCE / Tangible Assets | 14.93% | 11.40% | +3.53% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.67% | 78.64% | -0.97% | 56th above |
| Core Deposit Ratio | 90.72% | 87.09% | +3.63% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.75% | 6.47% | -1.72% | 52nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.63% | 7.64% | -2.01% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.69% | 6.02% | -1.33% | 55th above |
See Alden State Bank's peers by name
The 2672 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.