# ALDEN STATE BANK
STERLING, KS · FDIC certificate 17652 · asset band <$300M · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $21.1M | |
| Deposits | $18.8M | |
| Loans and leases | $10.9M | |
| Total equity | $2.2M | |
| Loans / deposits | 56.79% (p32 of band) | 68.34% |
| Liquid assets / assets | 47.06% (p70 of band) | |
| Uninsured deposits / deposits | 17.48% (p43 of band) | 19.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.16% (p62 of band) | 11.20% |
| Unrealized securities loss / equity | -21.11% (p51 of band) | -21.45% |
| AOCI / equity | 1.16% (p68 of band) | |
| ROA (annualized) | 0.56% (p25 of band) | 0.98% |
| Net interest margin | 3.49% (p47 of band) | 3.56% |
| Efficiency ratio | 81.84% (p80 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.19% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.09% (p17 of band) | |
| Auto loans | $902,000 (8.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 5 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | deposits shrinking, assets shrinking |  |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking |
| 2012-12 | 3 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2013-03 | 0 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 0 |  | expense ratio p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | capital falling, expense ratio p90 |  |
| 2017-03 | 2 | losing money | deposits shrinking, assets shrinking, capital falling |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 1 | expense ratio p90 | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | losing money | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2022-03 | 0 |  | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-06 | 1 | expense ratio p90 |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | expense ratio p90 |
| 2023-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-12-24 [CEO strategies: Alden State Bank’s Steven Woodard on customer service - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeWJ4eTQ0cDJCLWROaFhoS0dvM19pbnI5dTFWYXRmcWhrempmeGFJeVUzc3dsRzc4QnlJOXRvc3Jwa2hpdUk4cXBDZWhKOEx3N1BfdXVUUlNDMGd5Ri1ibzNqeHJteHNhRkVVelNMUEt2eHZfVTVCaEJJUmFaekVQQWhtM0g0RnFHTnVmNHJsYU01Zw?oc=5) · The Business Journals
- 2023-05-25 [Plains State Bank and Alden State Bank to merge - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE9JbHJpc0JvdkJfeEdzZEFKdnFqa3Q0Mkp6T3lObWthbVVSRFJCVzNjTXVnSEJpYV9mdnd1WFVDbjk1OUg4cEZRV04wMlUzTDhTak1maDVfUXB5VXBNUGxuN0xsb2hzeXRDeTAwVmQzSGhidw?oc=5) · Hutch Post
- 2024-10-24 [Bank returns to historic headquarters after 61 years away - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZmpUQUlMYUZidGxad3dTai1uOG5sOU9DbmF2OTlVNzVBcmhYT1NlcXE3QklVYXZoWTJnWFlkLXNVZG9OTTNQZmdDdkg2NExSS25SZE9wNmFPeS1KTXNLUmN3M2lBVDNVLWQwdGo2UThrSDVRSHFzSFl2TXM4M0hoaDcyYTZXdmpRN3hLUFhrdWtveVdhckJMbjFjMjhTVEV1VldR?oc=5) · The Business Journals
- 2022-11-08 [William (Bill) Albert Edwards Obituary - The Hutchinson News](https://news.google.com/rss/articles/CBMiXEFVX3lxTE4ybjN6MU1qVk9BUHRRZEltVTlCS0V1UHBOTzdzR0ZlVjc3UmVKaVkwMWtEc2JFUXVTXy1fS1JYNUpQTmtiZE5ZOU4zbHdONm1sRXZPdnZvZHpISDVG?oc=5) · The Hutchinson News
- 2019-05-01 [Kansas undersheriff shot in neck during traffic stop has ‘good’ prognosis for recovery - kansas.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5ZZjl0NVhpZWFFRDVSM1FBcEpJemwyVm5UbU5rbWJSaU5hc2ZqV3pwN2VHSS0xVmJRUU0xbUhSZXA3NlRXbWZPRkNXTEJqUWl0ZU5PRy1NY1F6X1lBS2RCdzFCRy10cExFamRIcmdR0gFuQVVfeXFMTkZ4X0pHeFBmYWR1Y1ZDZVpFNXRYNGpQVm5XaTA2VW9FdTNIRjVPdUpGSGxYVlFmM0NicVBxcHFXUW9taTNDSjAyVXJoNG9SdjljaEpUV2ZnT2t2bkM5dTRGMExDazZDenZBbHN6d2c?oc=5) · kansas.com
- 2022-07-26 [Adam Desmond joins Alden State Bank as chief lending officer; Tompkins to hire Buffalo market exec - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNcHZ5a3g0dUF6OS02VHg3d3hTZGYwbWVWZEpqU1pPS3pxcjUybGNkQ2N2Sy1JcEp1cDVHYnkwMUR3eUZYaTlGNkExcHlJWlh4bmJjb2JqSEdzS2ZrcmlmUFI0OWc3REZxS1hoak50QjAtY2d2dTg1Mzhhb3BaengwYUhjb0dhNTZpQU5Fcklha1kxX1A5SGpwd0xEaw?oc=5) · The Business Journals
- 2021-01-06 [As Alden Bank opens its third branch, CEO Steven Woodard talks about what's next - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTVVqOGMzOXdSSnVwSW90dTB0TU9rTVpCSkVuZHJXNG5zck45RXI4RDZjUldEQTJSS0x1QldpejFheHMwQ2dLLUJLZGZqNmRyVzl0RnItc2pyUEpJOTl1ZVh6SUItRF9tRm9fYi13N2dKZFliTHlzVkVIX0djZm5wSTVqbWExV0VIYmhNaVNfUFY0MjU3MnFF?oc=5) · The Business Journals
- 2021-12-16 [Banking roundup: HSBC's Amherst branch to become "Wealth Center" - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxOT0thM1BIazNpV2NSTFljT01lTC1JXzg2S1Z3VTIzd2p6Z0hZZUQ4ek9qQ2dRNmNYajhzZ2tiM2JWdUtTcUZUZWpablFWcmNHS2x1Vk5IRHh5Mm9FbWxfLXk1cWRuV0l3YWttdTg5SF9BdTN2bWNvZlphUHdmOWM5LVJfcDk5aGdfelg1LWlvVTc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17652 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "17652", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide