What is Alden State Bank's financial health grade?

Alden State Bank has a TFS Financial Health Grade of C+ (score: 79.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Alden State Bank have?

Alden State Bank has 3 branch locations across the United States.

Is Alden State Bank FDIC insured?

Yes, Alden State Bank is FDIC insured (Certificate #9831).

What are the total assets of Alden State Bank?

Alden State Bank has total assets of $447.8M as reported in its most recent FDIC filing.

Alden State Bank

BankAlden, New York

www.aldenstate.com

Total Assets

$447.8M

Total Deposits

$377.6M

Branches

Established

1916

TFS Health Grade

C+

79.8 / 100

Average financial health

How we grade

Alden State Bank is a bank headquartered in Alden, New York, established in 1916. With $447.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C+ (79.8/100).

Capital & Safety

Tier 1 Capital Ratio

14.97%(8%)

Total Capital Ratio

23.85%(10%)

Non-Performing Loan Ratio

1.65%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

7.58%(10%)

Net Interest Margin

4.50%

Efficiency Ratio

66.73%(60%)

Lending & Liquidity

Total Loans

$300.2M

Loan-to-Deposit Ratio

78.63%

Net Charge-Off Ratio

0.30%

Growth

Asset Growth (YoY)

+6.74%

Deposit Growth (YoY)

+6.74%

Net Income

$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Alden State BankHQ	13216 Broadway St	Alden	NY	11
Alden State Bank	6545 Transit Rd	East Amherst	NY	11
Alden State Bank	5802 Broadway St	Lancaster	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.