BlastPoint's Banking Scorecard

Bank of Alma

$100M-$1B Specialty: Commercial WI FDIC cert 26689

Alma, WI

4 branches across WI · MN

2664 banks in the $100M-$1B peer group nationally 113 in WI

Bank of Alma has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 64.0% in tier
+ Return on Assets 2.02% above tier average
+ Efficiency Ratio 53.58% below tier average
+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.4% in tier
- Non-Interest Income / Assets 0.27% below tier average

Get updates when Bank of Alma releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$339.3M +5.2% YoY +1.6% QoQ	-$46.8M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$197.4M +3.3% YoY +1.6% QoQ	-$58.3M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$168.5M +3.7% YoY +1.4% QoQ	-$159.5M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	3.29% -5.8% YoY -5.8% QoQ	+2.02%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 1.4% in tier
Net Interest Margin ?	4.53% -5.1% YoY -8.1% QoQ	+0.60%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	11.70% +6.5% YoY +0.6% QoQ	-53.58%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 0.1% in tier
Delinquency Rate ?	0.80% -13.8% YoY -58.0% QoQ	-0.09%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	117.16% -0.4% YoY +0.2% QoQ	+40.53%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 1.4% in tier
Non-Interest-Bearing Deposit Share ?	36.06% +25.1% YoY +3.4% QoQ	+14.04%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Top 8.7% in tier
Nonperforming Asset Ratio ?	0.53% -15.9% YoY -52.0% QoQ	-0.11%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	50.00% +1.4% YoY -1.6% QoQ	+34.17%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Top 0.9% in tier
Non-Interest Income / Assets ?	0.01% +0.4% YoY -88.9% QoQ	-0.27%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Bottom 2.0% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#175 of 272 • Top 64.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.06%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.53%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#4 of 739 • Bottom 0.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 50.00%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 117.16%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 11.70%

Peer Median: 65.29%

#2 of 2664 Top 0.1% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 50.00%

Peer Median: 15.83%

#24 of 2664 Top 0.9% in $100M-$1B

Return on Assets

profitability

Value: 3.29%

Peer Median: 1.27%

#37 of 2664 Top 1.4% in $100M-$1B

234

Non-Interest-Bearing Deposit Share

funding

Value: 36.06%

Peer Median: 22.02%

#234 of 2664 Top 8.7% in $100M-$1B

454

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.93%

#454 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (2 metrics)

2629

Loan-to-Deposit Ratio

liquidity

Value: 117.16%

Peer Median: 76.64%

#2629 of 2664 Bottom 1.4% in $100M-$1B

2612

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2612 of 2664 Bottom 2.0% in $100M-$1B