# ALDEN STATE BANK
ALDEN, NY · FDIC certificate 9831 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $463.1M | |
| Deposits | $391.3M | |
| Loans and leases | $303.9M | |
| Total equity | $69.1M | |
| Loans / deposits | 76.88% (p39 of band) | 82.04% |
| Liquid assets / assets | 29.28% (p62 of band) | |
| Uninsured deposits / deposits | 16.57% (p17 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.18% (p90 of band) | 10.81% |
| Unrealized securities loss / equity | -3.25% (p71 of band) | -8.10% |
| AOCI / equity | -0.69% (p33 of band) | |
| ROA (annualized) | 1.15% (p42 of band) | 1.28% |
| Net interest margin | 4.46% (p81 of band) | 3.91% |
| Efficiency ratio | 65.20% (p62 of band) | |
| Noncurrent loans | 2.63% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.17% (p90 of band) | |
| Reserve coverage of noncurrent | 38.67% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 26.96% (p33 of band) | |
| Auto loans | $730,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 2 |  | charge-offs p90, capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2022-06 | 6 | charge-offs p90, assets shrinking |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 4 |  | deposits shrinking, assets shrinking |
| 2023-03 | 6 | losing money, expense ratio p90, deposits shrinking | charge-offs p90 |
| 2023-06 | 5 | assets shrinking | losing money, expense ratio p90 |
| 2023-09 | 3 |  | deposits shrinking, assets shrinking |
| 2023-12 | 4 | deposits shrinking |  |
| 2024-03 | 4 | charge-offs p90 | deposits shrinking |
| 2024-06 | 3 |  | uninsured deposits leaving |
| 2024-09 | 2 |  | noncurrent p90 |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 2 | noncurrent p90 |  |
| 2026-06 | 2 |  |  |

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

- 2022-02-25 [Local non-profit, F BITES, partners with Alden State Bank to open new coffee shop at East Amherst branch - WGRZ](https://news.google.com/rss/articles/CBMiwwJBVV95cUxNbUplXzJDZjJjdV85NTZfTGxyRkRiSTVod280Qk9EVE1qX0NaV083VF9lbm15ZlZaYmdFQkNZOUlubmp5dWhuU1pTcFhmb1o5VnNEY251LW0tOHNUWWZJOV9TaG8tQW5kWnkzbzBwc2FoWG5UcGdZT0ZVVUQtVE1YSU96V1lST1g3TDZtSk9qZFZLalhnNE00ZkMyUlV2YVVQdEsya0lUY3JXS2RLZWM2SEZlQXdmNFh2dU9rRXI5ckhyYlAzTEpHVVhHVEVXR19TRi16Q2k2VFZYVEY1OThVN1BwRTh0UXR6YjlZU1FFUFo5Ykg3UWM5eU9lRUZMN2ZycDNTcTE3NHJOd0kyWFlBcVMyYXd4Q1JWQmNZdnBhd19mNURjUUljMEpuc3pDY2NjVmVxVXJsWEp4RXI5cnV6UnFSTQ?oc=5) · WGRZ
- 2025-08-25 [During Visit to Alden, Congressman Langworthy Champions Tax Relief and Local Economic Growth Opportunities - Congressman Nick Langworthy (.gov)](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVHpybEt0YWlSa1Y1d0RWd042XzZBWllRTEJ0NkNQMWxBaml6YlZwTk0xYTVSX2pacDIta3J4Q0NNQXlEQndmbTRaajBLWVNsRFVGMEs4MlRCcmt6OUdJSEFGWElSM0NySnhXV2dnVVR1STlEMDJUSGIyOXJEMUF6Ml9FZTlVR2hSWGRSdG5DbUdOVi1QSDY2c095UGdub0lYT2QtUVVoQlhkbS1pNk9iVld4bVNmWGRNTDNPeEV3?oc=5) · Congressman Nick Langworthy (.gov)
- 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
- 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
- 2024-06-01 [Scott Shaw Obituary - FL - Orlando Sentinel](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1YeGh4elVsTVdCWmRXRkFXRnpPTkdRdVQ5ZkFBWG9VRUlLc3gzdmdLYTU3UUlaTVdrWWxCNFBJQTNUdHQ5Q3RrclJ2RHh3YmYxb0sxejloVVF5cFNVM1JZS0dxQjllMVY2?oc=5) · Orlando Sentinel
- 2016-10-12 [Passbook savings accounts give young savers strong start - USA Today](https://news.google.com/rss/articles/CBMiswFBVV95cUxNVmMzWWt6bkFCQXlGcm42TUVCVFFoOF9JalpUM2lJYkxSdFZ0R1RPSlU4TjR5bXktUWh3UUMwV3NOZGd4TzRJR3VFQnRHLWwwRGw5TWVabHhGSm1vQmdxdFpqWnRtT2FqdHRaeUQ5SGtXVHVCX3Qzay03eExlR3VLSHhYZ3FMR3JXdVFfM1lmaDB6eUVER0x5NVpkWmJOaTlycGtydG5UeVloTms4ZGFCU3JLdw?oc=5) · USA Today
- 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
- 2015-12-11 [Leonard Weisbeck Obituary (2015) - Alden, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdGlSa01NUnBuemZfcXQyZ1FJN0xIZS1LZnlYNmJBSDh4aXMwLXhTdU5TeElHWGcyMWNxdW9nSDJVWkNMVlY1c3M3alc0Q3ZPbDlFS1NTWHBSSl83RGE5cERhYklqTy1QRVlFQzM4VzM1ZTVSV0RpeFBDc0g4bTRqeXNtbmhXbDcyTllGR2xvbFQyTm0zUkE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9831 (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/39.json (key "9831", 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