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Alma Bank

$1B-$10B Specialty: Commercial NY FDIC cert 58424

Designations: ✓ Community bank

Astoria, NY

13 branches across NY · NJ

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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +4.3% year over year ($1.3B on the books).
  • Delinquency rate 0.85%.
  • Return on assets 0.66%.
  • Efficiency ratio 75.14% vs a 59.73% peer average.
  • Loan-to-deposit ratio 100.33% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Alma Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 49.0% in tier
  • - ROA 0.73% below tier average
  • - Net Interest Margin 0.15% below tier average
  • - Efficiency Ratio 15.42% above tier average
Get updates when Alma Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $1.6B
+5.6% YoY +3.2% QoQ
-$1.2B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.3B
+4.4% YoY +3.4% QoQ
-$623.8M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $1.3B
+4.3% YoY +3.3% QoQ
-$983.8M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 0.66%
+88.0% YoY +6.7% QoQ
-0.73% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 12.0% in tier
Net Interest Margin ? 3.72%
+16.3% YoY +0.7% QoQ
-0.15% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 75.14%
-7.8% YoY -0.6% QoQ
+15.42% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 12.3% in tier
Delinquency Rate ? 0.85%
-33.0% YoY -26.0% QoQ
-0.01% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 100.33%
+0.1% YoY +0.1% QoQ
+15.29% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 13.4% in tier
Non-Interest-Bearing Deposit Share ? 25.68%
+21.8% YoY +6.8% QoQ
+4.40% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.83%
-23.5% YoY -23.4% QoQ
+0.15% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 11.68%
-0.6% YoY -1.3% QoQ
-3.16% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.15%
+32.3% YoY +90.6% QoQ
-0.38% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
19%

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 (NY) National Avg Tier Percentile
Noninterest-Bearing 25.7%
+4.6pp YoY
+1.6pp QoQ
 +4.3pp 21.4% 22.1% 22.2% 73%
Brokered Deposits 14.5%
0.0pp YoY
-1.4pp QoQ
 +5.1pp 9.5% 8.0% 8.5% 81%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 18.0%
+3.5pp YoY
+1.1pp QoQ
 +4.0pp 14.0% 11.0% 12.5% 76%
CRE 77.4%
-5.3pp YoY
-2.0pp QoQ
 +27.4pp 50.0% 46.2% 41.4% 94%
1-4 Family 3.6%
+0.8pp YoY
0.0pp QoQ
 -22.8pp 26.4% 36.6% 31.3% 5%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 5.1% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 11.7%
-0.1pp YoY
-0.2pp QoQ
 -3.9pp 15.6% 26.1% 19.7% 18%
Leverage Ratio 10.3%
+0.4pp YoY
+0.1pp QoQ
 -1.0pp 11.3% 13.9% 12.6% 46%
Total Capital Ratio 12.9%
-0.1pp YoY
-0.2pp QoQ
 -3.8pp 16.7% 27.2% 20.8% 21%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 182
+19 (+11.7%) YoY
+9 (+5.2%) QoQ
 -132 313 914 482 34%
Assets per Employee ($) $8.8M
-5.4% YoY
-1.9% QoQ
 -$1.7M $10.5M $14.8M $8.8M 51%
Branch Count 14
+1 (+7.7%) YoY
0 QoQ
 -6 20 27 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.1pp 0.2% 0.1% 0.4% 60%
Nonaccrual 0.8%
-0.5pp YoY
-0.3pp QoQ
 0.0pp 0.8% 1.3% 1.0% 66%
Allowance Coverage 2.19x
+47.0% YoY
+27.3% QoQ
 -16.52x 18.71x 1.92x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 6.6%
+3.0pp YoY
+0.4pp QoQ
 -6.0pp 12.6% 7.9% 11.6% 14%
Cost of Funds (YTD) 2.2%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.8% 1.7% 73%
Net Income ($, YTD) $5.2M
+95.9% YoY
— QoQ
 -$14.1M $19.2M $111.2M $40.4M 12%

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 Strain

risk
#178 of 361 • Bottom 49.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.33%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

780
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.39%
#780 of 885 Bottom 12.0% in $1B-$10B
777
Efficiency Ratio
profitability
Value: 75.14%
Peer Median: 59.73%
#777 of 885 Bottom 12.3% in $1B-$10B
767
Loan-to-Deposit Ratio
liquidity
Value: 100.33%
Peer Median: 85.04%
#767 of 885 Bottom 13.4% in $1B-$10B
720
Non-Interest Income / Assets
revenue_mix
Value: 0.15%
Peer Median: 0.53%
#720 of 885 Bottom 18.8% in $1B-$10B
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