Alden State Bank

Coy And Helena Streets
Alden, MI 49612


General Bank Information

FDIC Insured Yes
FDIC Certificate # 17622
Date Established 1934
Assets $0.19 billion
Loans $0.14 billion
Deposits $0.16 billion
Capital $0.02 billion

Alden State Bank is an FDIC insured institution located in Alden, MI. It was founded in 1934 and has approximately $0.19 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Alden State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Alden State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Michigan, Alden State Bank has a significantly higher percent of Credit Card Loans, Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 40.36
Credit Card Loans 0.28
Consumer Auto Loans 2.62
Small Business Loans 33.46
Construction and Development Loans 8.40
Commercial Real Estate 40.18
Commercial and Industrial Loans 8.08
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.15% $5,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.30% $1,000 - Learn MoreShow Less
MM 2.5K
0.10% $1 $9,999 Learn MoreShow Less
MM 10K
0.25% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alden State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Alden State Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Alden State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Alden State Bank Locations

Financial Details

Alden State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alden State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Alden State Bank U.S. Bank Average
5.46% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Alden State Bank had $1,336,000 in non-current loans and $72,000 in owned real estate. To cover these potential losses it had $23,104,000 in equity and $2,692,000 in loans loss reserves. That gives it a Texas Ratio of 5.46%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Alden State Bank U.S. Bank Average
10.23% 8.58

Alden State Bank has a Return on Equity of 10.23% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Alden State Bank U.S. Bank Average
12.21% 12.11

Alden State Bank has a Capitalization of 12.21% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Alden State Bank Balance Sheet Analysis

As of June 30, 2017, Alden State Bank had assets of $189,256,000, loans of $137,953,000, and deposits of $164,208,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Alden State Bank

Branches and Savings

Is Alden State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17622.

Why does Alden State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Alden State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Alden State Bank a commercial bank?


Where are Alden State Bank locations?

See branch locations nearby.

Is Alden State Bank open on Saturdays?

Is Alden State Bank open on Sundays?

What time does Alden State Bank open?

What time does Alden State Bank close?

Are Alden State Bank ATMs Open 24/7?

Do Alden State Bank ATMs accept cash deposits?

Can Alden State Bank customers use other ATMs?

Do Alden State Bank branches have notaries?

Will Alden State Bank notarize my document?

What address for Alden State Bank should I put for incoming ACH transfers?

Will the Alden State Bank branch print checks?

Do Alden State Bank checks expire?

Does Alden State Bank require US citizenship to open account?

Can Alden State Bank close my account?

Does Alden State Bank Report to credit bureaus?

Does Alden State Bank Use Equifax?

What is Alden State Bank's ACH Routing Number?

What is Alden State Bank's SWIFT code?


Does Alden State Bank offer mortgages?

Compare mortgage rates here.

Does Alden State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alden State Bank offer personal loans?

Compare personal loan rates here.

Does Alden State Bank offer student loans?

Will Alden State Bank cash a check?

Will Alden State Bank redeem a savings bond?

Does Alden State Bank cash savings bonds?

Will Alden State Bank cash money orders?

Can Alden State Bank issue a money order?

Does Alden State Bank do currency exchange?

Background on The Bank

Who owns Alden State Bank?

How long has Alden State Bank been around?

Can Alden State Bank transfer to other banks?

Does Alden State Bank have quick pay?

Does Alden State Bank accept rolled coins?

Will Alden State Bank accept loose change?

Where is Alden State Bank headquarters?

Customer Reviews for Alden State Bank

There are currently no comments for Alden State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →