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: 6.40 percentage points lower than in Q1 2026, at 38.67%. Alden State Bank ranks 27th of 105 New York banks on return on assets, in the upper half at 1.33% (Q2 2026). Alden State Bank reported 1.33% on return on assets for Q2 2026, 0.08 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.56% |
| Tier 1 risk-based capital ratio | 22.56% |
| Total risk-based capital ratio | 23.65% |
| Tier 1 leverage ratio | 15.18% |
| Equity capital to assets | 14.93% |
| Tangible equity to tangible assets | 14.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.63% |
| Non-performing assets ratio | 1.72% |
| Net charge-off ratio | 0.48% |
| Texas ratio | 11.06% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 38.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 8.85% |
| Net interest margin | 4.60% |
| Efficiency ratio | 62.11% |
| Yield on earning assets | 5.51% |
| Cost of funds | 0.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.67% |
| Core deposits to total deposits | 90.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.50% |
| Securities to assets | 18.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.90% | 20.90% | 22.16% | 14.21% | 1.69% |
| Q4 2023 | 21.23% | 21.23% | 22.48% | 14.40% | 1.96% |
| Q1 2024 | 22.02% | 22.02% | 23.27% | 14.83% | 1.28% |
| Q2 2024 | 22.04% | 22.04% | 23.25% | 14.64% | 1.00% |
| Q3 2024 | 23.10% | 23.10% | 24.35% | 15.02% | 1.56% |
| Q4 2024 | 23.33% | 23.33% | 24.59% | 15.19% | 1.58% |
| Q1 2025 | 22.38% | 22.38% | 23.63% | 15.48% | 1.05% |
| Q2 2025 | 22.16% | 22.16% | 23.37% | 14.97% | 1.22% |
| Q3 2025 | 22.82% | 22.82% | 24.07% | 15.09% | 1.52% |
| Q4 2025 | 22.66% | 22.66% | 23.85% | 14.99% | 0.84% |
| Q1 2026 | 22.94% | 22.94% | 24.18% | 15.24% | 0.97% |
| Q2 2026 | 22.56% | 22.56% | 23.65% | 15.18% | 1.33% |
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 9831) · FFIEC NIC profile (RSSD 414102)