BlastPoint's Banking Scorecard

Alden State Bank

$100M-$1B Specialty: Commercial NY FDIC cert 9831

Alden, NY

3 branches across NY

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 48 in NY.
Deposits +4.7% year over year ($391.3M on the books).
Delinquency rate 2.65%.
Return on assets 1.15%.
Efficiency ratio 65.20% vs a 64.48% peer average.
Loan-to-deposit ratio 76.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Alden State Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 71.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 29.2% in tier
- Delinquency Rate 1.74% above tier average
- Nonperforming Asset Ratio 1.06% above tier average
- ROA 0.18% below tier average
- Efficiency Ratio 0.73% above tier average

Get updates when Alden State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$463.1M +4.8% YoY +2.4% QoQ	+$76.5M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$300.8M +5.8% YoY +1.9% QoQ	+$42.5M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$391.3M +4.7% YoY +2.6% QoQ	+$64.5M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.15% +2.3% YoY +18.7% QoQ	-0.18%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	4.46% +2.9% YoY +4.6% QoQ	+0.48%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	65.20% -2.3% YoY -4.6% QoQ	+0.73%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	2.65% +124.3% YoY +3.1% QoQ	+1.74%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 7.8% in tier
Loan-to-Deposit Ratio ?	76.88% +1.1% YoY -0.6% QoQ	-1.07%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	35.99% +0.4% YoY -1.2% QoQ	+13.96%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Top 8.7% in tier
Nonperforming Asset Ratio ?	1.72% +97.9% YoY +2.6% QoQ	+1.06%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 9.7% in tier
Tier 1 Capital Ratio ?	22.56% +1.8% YoY -1.7% QoQ	+6.65%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 9.5% in tier
Non-Interest Income / Assets ?	0.14% -1.3% YoY +101.1% QoQ	-0.42%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	33%

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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	36.0% +0.2pp YoY -0.4pp QoQ	+13.8pp	22.1%	22.1%	22.2%	91%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	16.8% -1.0pp YoY 0.0pp QoQ	+5.3pp	11.6%	11.0%	12.5%	82%
CRE	44.3% +8.3pp YoY +3.0pp QoQ	+4.7pp	39.5%	46.2%	41.4%	61%
1-4 Family	39.0% -7.3pp YoY -3.0pp QoQ	+6.4pp	32.6%	36.6%	31.3%	68%
Consumer	0.9% -0.2pp YoY -0.1pp QoQ	-3.2pp	4.1%	5.1%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	22.6% +0.4pp YoY -0.4pp QoQ	+3.7pp	18.8%	26.1%	19.7%	84%
Leverage Ratio	15.2% +0.2pp YoY -0.1pp QoQ	+3.0pp	12.2%	13.9%	12.6%	87%
Total Capital Ratio	23.7% +0.3pp YoY -0.5pp QoQ	+3.7pp	19.9%	27.2%	20.8%	84%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	71 +2 (+2.9%) YoY 0 QoQ	+12	58	914	482	72%
Assets per Employee ($)	$6.5M +1.8% YoY +2.4% QoQ	-$996K	$7.5M	$14.8M	$8.8M	43%
Branch Count	3 0 YoY 0 QoQ	-2	4	27	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	2.7% +1.6pp YoY +0.1pp QoQ	+1.7pp	0.9%	1.3%	1.0%	92%
Allowance Coverage	0.39x -61.7% YoY -14.2% QoQ	-23.77x	24.15x	1.92x	20.23x	6%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY +0.2pp QoQ	+0.1pp	0.1%	0.1%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	7.6% +0.1pp YoY +1.2pp QoQ	-4.6pp	12.2%	7.9%	11.6%	24%
Cost of Funds (YTD)	1.0% -0.1pp YoY -0.1pp QoQ	-0.7pp	1.7%	1.8%	1.7%	10%
Net Income ($, YTD)	$2.6M +7.1% YoY — QoQ	+$52K	$2.6M	$111.2M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#200 of 278 • Top 71.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 35.99%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.46%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#218 of 742 • Bottom 29.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.56%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 76.88%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

232

Non-Interest-Bearing Deposit Share

funding

Value: 35.99%

Peer Median: 22.03%

#232 of 2643 Top 8.7% in $100M-$1B

253

Tier 1 Capital Ratio

capital

Value: 22.56%

Peer Median: 15.91%

#253 of 2643 Top 9.5% in $100M-$1B

572

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.99%

#572 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (2 metrics)

2429

Delinquency Rate

credit_quality

Value: 2.65%

Peer Median: 0.92%

#2429 of 2633 Bottom 7.8% in $100M-$1B

2387

Nonperforming Asset Ratio

credit_quality

Value: 1.72%

Peer Median: 0.67%

#2387 of 2643 Bottom 9.7% in $100M-$1B