Alden State Bank: how it compares with its peers
Against 35 NY banks with half to twice its assets, Alden State Bank's strongest measure in Q2 2026 is net interest margin (4.46% vs. a 3.67% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.1M).
| Measure | Alden State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 0.68% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 3.67% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.20% | 74.27% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.1M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.88% | 88.58% | Context |
What it means for lending operations
Its efficiency ratio of 65.20% is better than the 74.27% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bank of East Asia Ltd. New York, NY · $450M
- Wallkill Valley Federal Savings and Loan Association Wallkill, NY · $485M
- Fulton Savings Bank Fulton, NY · $492M
- Champlain National Bank Elizabethtown, NY · $497M
- Piermont Bank New York, NY · $505M
- Rondout Savings Bank Kingston, NY · $512M
Questions about Alden State Bank
How big is Alden State Bank?
Alden State Bank, established in 1916, is headquartered in Alden, NY. It reported $463M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Alden State Bank's return on assets?
1.15% annualized in Q2 2026, against a 0.68% median for 35 NY banks with half to twice its assets, ahead of 80% of them.
What is Alden State Bank's efficiency ratio?
65.20% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 74.27%, and lower is better.
Is Alden State Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.