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Alden State Bank
Alden, MI · FDIC Certificate #17622 · Chartered 01/0
Total assets
$318.43M
Total deposits
$276.44M
Total equity
$40.06M
Net loans
$190.99M
Branches (offices)
4
Net income (YTD)
$2.81M
Rank: #2,380 of 4,213 U.S. banks by assets · #48 of 72 in Michigan. Assets changed 0.1% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.77% |
| Return on equity | 14.25% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 12.58% |
| Tier 1 leverage ratio | 12.71% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 69.1% |
| Real estate loans (share of loans) | 84.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $161.27M | 84.4% | |
| Commercial & industrial | $26.74M | 14.0% | |
| Consumer / individual | $6.80M | 3.6% | |
| Construction & development | $21.69M | 11.4% | |
| Agricultural | $40.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $299.70M | $271.81M | $967.00K | $26.73M |
| Jun 2023 | $274.28M | $242.75M | $2.40M | $29.23M |
| Jun 2024 | $305.37M | $271.45M | $2.06M | $32.63M |
| Jun 2025 | $318.24M | $280.74M | $2.11M | $35.89M |
| Jun 2026 | $318.43M | $276.44M | $2.81M | $40.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $276.44M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $276.44M.
Similar-sized banks
Pacific Crest Bank ($318.49M) · Community State Bank Of Rock Falls ($318.39M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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