BlastPoint's Banking Scorecard
Alden State Bank
Micro
Specialty: Commercial
NY
FDIC cert 9831
Designations: ✓ Community bank
Alden, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Alden State Bank shows strong momentum with 2 strengths and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.64% above tier
- + Tier 1 Capital Ratio 13.78% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$447.8M
+6.7% YoY
+0.3% QoQ
|
+$230.3M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$296.9M
+7.6% YoY
+0.2% QoQ
|
+$157.7M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$377.6M
+6.7% YoY
+0.2% QoQ
|
+$193.9M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.13%
-15.8% YoY
-9.7% QoQ
|
+0.05% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.50%
+1.8% YoY
+0.6% QoQ
|
+0.65% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
66.73%
+4.2% YoY
+4.1% QoQ
|
-1.00% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
1.67%
+31.4% YoY
+55.3% QoQ
|
+1.03% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
78.63%
+0.8% YoY
+0.0% QoQ
|
+4.10% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
37.03%
-3.8% YoY
+0.7% QoQ
|
+14.64% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
1.11%
+13.7% YoY
+34.6% QoQ
|
+0.65% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
22.63%
-3.0% YoY
-0.8% QoQ
|
+13.78% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.26%
-34.9% YoY
+15.9% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.03%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.63%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Total Assets
Current: $447.8M · Tier avg: $217.5M
94
94th pctile
Total Deposits
Current: $377.6M · Tier avg: $183.7M
92
92th pctile
Total Loans
Current: $296.9M · Tier avg: $139.2M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.03% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.63% · Tier avg: 8.85%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
55
55th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
49
49th pctile
Efficiency Ratio
Current: 66.73% · Tier avg: 67.73%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.63% · Tier avg: 74.53%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.64%
Top Weaknesses
17
17th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.45%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.63% · Tier avg: 74.53%
49
49th pctile
Efficiency Ratio
Current: 66.73% · Tier avg: 67.73%
55
55th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.63% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.03% · Tier avg: 22.39%
92
92th pctile
Total Loans
Current: $296.9M · Tier avg: $139.2M
94
94th pctile
Total Deposits
Current: $377.6M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $447.8M · Tier avg: $217.5M