Side-by-side · Q2 2026 data
Alden State Bank vs Charlevoix State Bank
Metric by metric
| Measure | Alden State Bank | Charlevoix State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 77 (stronger) | 54 |
| Loan quality | 91 | 93 (stronger) |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 81 | 98 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 90th | 86th |
| Total assets | $318.4M | $248.3M |
| Deposits / shares | $276.4M | $221.0M |
| Capital ratio | 12.71% (stronger) | 10.41% |
| Problem loans | 0.26% | 0.22% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.77% | 2.31% (stronger) |
| Loans ÷ deposits | 69.1% | 59.0% (stronger) |
| Uninsured deposits | 24.5% | 17.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alden State Bank has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Alden State Bank leads on 2 and Charlevoix State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.