Headquartered in Alden, Michigan, Alden State Bank is a state-chartered bank with $318.4M in total assets and $276.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1934.
Based on its Q2 2026 filing, Alden State Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 4th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is capital cushion (77/100; 12.71%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (82 → 86), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 80 |
| Q4 2024 | 81 |
| Q1 2025 | 78 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 83 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.58% |
| Q3 2024 | 11.38% |
| Q4 2024 | 11.47% |
| Q1 2025 | 11.73% |
| Q2 2025 | 11.77% |
| Q3 2025 | 11.68% |
| Q4 2025 | 12.17% |
| Q1 2026 | 12.84% |
| Q2 2026 | 12.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $318.4M | 12.71% | 0.26% | 1.77% | 69.1% |
| Q1 2026 | 85 | $317.9M | 12.84% | 0.25% | 1.70% | 71.2% |
| Q4 2025 | 83 | $313.9M | 12.17% | 0.20% | 1.54% | 69.7% |
| Q3 2025 | 81 | $335.4M | 11.68% | 0.23% | 1.44% | 62.4% |
| Q2 2025 | 82 | $318.2M | 11.77% | 0.18% | 1.34% | 66.0% |
| Q1 2025 | 78 | $319.2M | 11.73% | 0.52% | 1.24% | 62.9% |
| Q4 2024 | 81 | $307.1M | 11.47% | 0.41% | 1.63% | 64.9% |
| Q3 2024 | 80 | $321.7M | 11.38% | 0.45% | 1.52% | 59.9% |
| Q2 2024 | 82 | $305.4M | 11.58% | 0.20% | 1.44% | 61.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Huron Community BankBank East Tawas, MI | 63 out of 100, Moderate | $323.3M | 9.1% | 0.33% | vs |
| Dearborn Federal Savings BankBank Dearborn, MI | 72 out of 100, Strong | $306.6M | 25.9% | 0.64% | vs |
| The First National Bank of St. IgnaceBank St. Ignace, MI | 59 out of 100, Moderate | $335.8M | 7.8% | 0.65% | vs |
| Huron Valley State BankBank Milford, MI | 53 out of 100, Below average | $291.9M | 10.0% | 1.70% | vs |
| Upper Peninsula State BankBank Escanaba, MI | 72 out of 100, Strong | $371.7M | 13.4% | 1.09% | vs |
| First National Bank & Trust Co.Bank Iron Mountain, MI | 45 out of 100, Below average | $386.4M | 9.5% | 3.22% | vs |
Deposit insurance
Is my money safe at Alden State Bank?
Yes. Alden State Bank is an FDIC-insured institution (FDIC certificate #17622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($67.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Alden State Bank lists 4 offices in 4 cities. Most locations:
- Alden, MI (1)
- Bellaire, MI (1)
- Central Lake, MI (1)
- Elk Rapids, MI (1)
Identity & history
Profile
- Legal name
- Alden State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17622
- RSSD ID
- 388744
- Primary regulator
- FDIC
- Established
- January 1, 1934
- Headquarters
- 10564 Coy St, Alden, MI 49612
- Website
- www.alden.bank
- Employees
- 31
Quick answers
Alden State Bank: common questions
Is Alden State Bank FDIC insured?
Yes. Alden State Bank is an FDIC-insured institution (FDIC certificate #17622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Alden State Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Alden State Bank ever failed?
There is no failure record for FDIC certificate #17622 in the FDIC failed bank list.
How many branches does Alden State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Alden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tba Credit UnionCredit union Traverse City, MI | 86 out of 100, Very strong | $389.9M | 14.8% | 0.42% | vs |
| Charlevoix State BankBank Charlevoix, MI | 84 out of 100, Strong | $248.3M | 10.4% | 0.22% | vs |
| Northwest Consumers Federal Credit UnionCredit union Traverse City, MI | 77 out of 100, Strong | $25.1M | 19.5% | 1.88% | vs |
| First Community BankBank Harbor Springs, MI | 77 out of 100, Strong | $413.6M | 9.9% | 0.00% | vs |
| Forest Area Federal Credit UnionCredit union Fife Lake, MI | 71 out of 100, Strong | $318.3M | 12.8% | 1.92% | vs |
| Honor BankBank Honor, MI | 71 out of 100, Strong | $442.7M | 9.8% | 0.32% | vs |