BlastPoint's Banking Scorecard

Bank of Alma

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

Alma, WI

4 branches across WI · MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +1.8% year over year ($166.3M on the books).
Delinquency rate 0.99%.
Return on assets 3.16%.
Efficiency ratio 12.03% vs a 64.48% peer average.
Loan-to-deposit ratio 119.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Bank of Alma has 3 strengths but faces 3 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

+ Return on Assets 1.83% above tier average
+ Efficiency Ratio 52.45% below tier average
+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.5% in tier
- Non-Interest Income / Assets 0.52% below tier average
- Delinquency Rate 0.07% above tier average

Get updates when Bank of Alma releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$339.5M +4.4% YoY +0.1% QoQ	-$47.1M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$198.7M +12.0% YoY +0.7% QoQ	-$59.6M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$166.3M +1.8% YoY -1.3% QoQ	-$160.4M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	3.16% -3.8% YoY -3.9% QoQ	+1.83%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 1.6% in tier
Net Interest Margin ?	4.36% -9.0% YoY -3.8% QoQ	+0.37%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	12.03% -23.0% YoY +2.8% QoQ	-52.45%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 0.2% in tier
Delinquency Rate ?	0.99% -30.3% YoY +23.8% QoQ	+0.07%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	119.48% +10.0% YoY +2.0% QoQ	+41.53%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 1.4% in tier
Non-Interest-Bearing Deposit Share ?	30.51% +7.7% YoY -15.4% QoQ	+8.48%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.64% -16.8% YoY +21.5% QoQ	-0.03%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	77.90% +56.8% YoY +55.8% QoQ	+62.00%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 0.5% in tier
Non-Interest Income / Assets ?	0.04% +42.7% YoY +268.2% QoQ	-0.52%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 4.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	30.5% +2.2pp YoY -5.5pp QoQ	+8.4pp	22.1%	18.9%	22.2%	83%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	3.2% -2.8pp YoY -0.7pp QoQ	-8.4pp	11.6%	10.5%	12.5%	10%
CRE	69.1% -2.3pp YoY -0.4pp QoQ	+29.6pp	39.5%	46.4%	41.4%	93%
1-4 Family	12.2% +1.1pp YoY 0.0pp QoQ	-20.5pp	32.6%	32.3%	31.3%	14%
Consumer	0.6% -0.3pp YoY 0.0pp QoQ	-3.5pp	4.1%	2.6%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	77.9%	+59.1pp	18.8%	15.5%	19.7%	99%
Leverage Ratio	50.8% +1.1pp YoY +0.8pp QoQ	+38.6pp	12.2%	12.6%	12.6%	100%
Total Capital Ratio	79.2%	+59.2pp	19.9%	16.6%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	18 -1 (-5.3%) YoY -4 (-18.2%) QoQ	-41	58	134	482	8%
Assets per Employee ($)	$18.9M +10.2% YoY +22.3% QoQ	+$11.3M	$7.5M	$8.2M	$8.8M	99%
Branch Count	4 0 YoY 0 QoQ	-1	4	9	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.1pp YoY	-0.1pp	0.3%	0.4%	0.4%	65%
Nonaccrual	0.8% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.9%	0.9%	1.0%	66%
Allowance Coverage	1.50x +28.2% YoY -19.7% QoQ	-22.66x	24.15x	56.89x	20.23x	39%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.0%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	6.3% -0.4pp YoY -0.3pp QoQ	-5.9pp	12.2%	11.8%	11.6%	18%
Cost of Funds (YTD)	0.8% -0.1pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.8%	1.7%	6%
Net Income ($, YTD)	$5.3M +1.0% YoY — QoQ	+$2.8M	$2.6M	$7.9M	$40.4M	89%

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#5 of 742 • Bottom 0.5% 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: 77.90%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 119.48%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 12.03%

Peer Median: 64.48%

#5 of 2643 Top 0.2% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 77.90%

Peer Median: 15.91%

#15 of 2643 Top 0.5% in $100M-$1B

Return on Assets

profitability

Value: 3.16%

Peer Median: 1.32%

#44 of 2643 Top 1.6% in $100M-$1B

439

Non-Interest-Bearing Deposit Share

funding

Value: 30.51%

Peer Median: 22.03%

#439 of 2643 Top 16.6% in $100M-$1B

Top Weaknesses (2 metrics)

2607

Loan-to-Deposit Ratio

liquidity

Value: 119.48%

Peer Median: 77.95%

#2607 of 2643 Bottom 1.4% in $100M-$1B

2530

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2530 of 2643 Bottom 4.3% in $100M-$1B