BlastPoint's Banking Scorecard
Alden State Bank
Alden, MI
4 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
- Deposits -1.5% year over year ($276.4M on the books).
- Delinquency rate 0.27%.
- Return on assets 1.77%.
- Efficiency ratio 50.85% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.09% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Alden State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 38.1% in tier
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 13.63% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.6% in tier
- - Credit Quality Pressure: Bottom 19.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.4M
+0.1% YoY
+0.2% QoQ
|
-$68.1M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$191.0M
+3.1% YoY
-3.0% QoQ
|
-$67.4M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$276.4M
-1.5% YoY
+0.1% QoQ
|
-$50.3M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
1.77%
+32.0% YoY
+4.4% QoQ
|
+0.45% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.47%
+15.4% YoY
+1.1% QoQ
|
+0.49% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
50.85%
-10.6% YoY
-2.4% QoQ
|
-13.63% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
0.27%
+41.6% YoY
+4.9% QoQ
|
-0.65% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
69.09%
+4.7% YoY
-3.0% QoQ
|
-8.86% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
26.55%
+9.6% YoY
+10.6% QoQ
|
+4.52% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.27%
+148.7% YoY
+0.9% QoQ
|
-0.40% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
12.71%
+8.0% YoY
-1.0% QoQ
|
-3.20% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.20%
+11.3% YoY
+123.1% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.6%
+2.3pp YoY +2.5pp QoQ |
+4.4pp | 22.1% | 25.9% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 7.9% | 12.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.0%
+2.4pp YoY +0.8pp QoQ |
+2.4pp | 11.6% | 12.8% | 12.5% | 72% |
| CRE |
27.3%
-4.6pp YoY +0.6pp QoQ |
-12.3pp | 39.5% | 45.9% | 41.4% | 30% |
| 1-4 Family |
57.2%
+2.0pp YoY -1.1pp QoQ |
+24.6pp | 32.6% | 33.6% | 31.3% | 88% |
| Consumer |
3.6%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 4.1% | 4.6% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
12.7%
+0.9pp YoY -0.1pp QoQ |
+0.5pp | 12.2% | 12.3% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
-7 (-18.4%) YoY 0 QoQ |
-28 | 58 | 134 | 482 | 28% |
| Assets per Employee ($) |
$10.3M
+22.7% YoY +0.2% QoQ |
+$2.8M | $7.5M | $6.8M | $8.8M | 87% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 36% |
| Allowance Coverage |
9.76x
-32.1% YoY -2.8% QoQ |
-14.39x | 24.15x | 6.79x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+2.3pp YoY +0.5pp QoQ |
+2.1pp | 12.2% | 11.7% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.4%
-0.5pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.5% | 1.7% | 27% |
| Net Income ($, YTD) |
$2.8M
+32.8% YoY — QoQ |
+$252K | $2.6M | $7.3M | $40.4M | 67% |
Get Full Access to Alden State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.