BlastPoint's Banking Scorecard
Alden State Bank
Alden, MI
4 branches across MI
Alden State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 47.6% in tier
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio 13.21% below tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$317.9M
-0.4% YoY
+1.3% QoQ
|
-$68.2M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$196.8M
+11.3% YoY
+3.2% QoQ
|
-$58.9M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$276.3M
-1.7% YoY
+1.0% QoQ
|
-$51.7M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.70%
+36.5% YoY
+10.4% QoQ
|
+0.43% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
4.43%
+19.0% YoY
+7.9% QoQ
|
+0.50% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
52.07%
-10.2% YoY
-4.8% QoQ
|
-13.21% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.25%
-52.2% YoY
+21.5% QoQ
|
-0.63% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
71.24%
+13.2% YoY
+2.2% QoQ
|
-5.40% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
24.02%
-43.9% YoY
-3.3% QoQ
|
+2.00% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.27%
-8.3% YoY
+112.6% QoQ
|
-0.37% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.84%
+9.5% YoY
+5.5% QoQ
|
-2.99% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.09%
+5.2% YoY
-76.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.