BlastPoint's Banking Scorecard
Alden State Bank
Alden, NY
3 branches across NY
Alden State Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.40% above tier average
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 25.7% in tier
- - Delinquency Rate 1.69% above tier average
- - Nonperforming Asset Ratio 1.04% above tier average
- - ROA 0.30% below tier average
- - Efficiency Ratio 3.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$452.4M
+2.5% YoY
+1.0% QoQ
|
+$66.3M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$295.1M
+5.3% YoY
-0.6% QoQ
|
+$39.4M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$381.4M
+2.0% YoY
+1.0% QoQ
|
+$53.5M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
0.97%
-5.4% YoY
-16.1% QoQ
|
-0.30% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
4.27%
+0.6% YoY
-5.2% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
68.32%
-3.7% YoY
+2.3% QoQ
|
+3.03% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
2.58%
+154.8% YoY
+54.3% QoQ
|
+1.69% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.8% in tier |
| Loan-to-Deposit Ratio ? |
77.37%
+3.2% YoY
-1.6% QoQ
|
+0.73% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
36.42%
-7.1% YoY
-1.7% QoQ
|
+14.40% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 8.3% in tier |
| Nonperforming Asset Ratio ? |
1.68%
+86.4% YoY
+51.8% QoQ
|
+1.04% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.3% in tier |
| Tier 1 Capital Ratio ? |
22.94%
+2.5% YoY
+1.3% QoQ
|
+7.11% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 8.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
-4.8% YoY
-72.1% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
33% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.