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Alden State Bank
Alden, NY · FDIC Certificate #9831 · Chartered 10/0
Total assets
$463.06M
Total deposits
$391.27M
Total equity
$69.12M
Net loans
$300.83M
Branches (offices)
3
Net income (YTD)
$2.61M
Rank: #1,872 of 4,213 U.S. banks by assets · #80 of 115 in New York. Assets changed 4.8% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 7.63% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 14.93% |
| Tier 1 leverage ratio | 15.18% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 2.63% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 76.9% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $250.62M | 83.3% | |
| Commercial & industrial | $50.62M | 16.8% | |
| Consumer / individual | $2.65M | 0.9% | |
| Construction & development | $18.64M | 6.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $443.48M | $389.05M | $2.45M | $53.00M |
| Jun 2023 | $410.52M | $352.73M | $1.96M | $55.83M |
| Jun 2024 | $419.48M | $356.50M | $2.36M | $60.55M |
| Jun 2025 | $442.05M | $373.73M | $2.43M | $65.76M |
| Jun 2026 | $463.06M | $391.27M | $2.61M | $69.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $391.27M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $391.27M.
Similar-sized banks
Local Bank ($463.08M) · Robertson Banking Company ($462.66M)
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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