BlastPoint's Banking Scorecard
Alma Bank
Designations: ✓ Community bank
Astoria, NY
13 branches across NY · NJ
Alma Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.2% in tier
- - ROA 0.75% below tier average
- - Net Interest Margin 0.12% below tier average
- - Efficiency Ratio 14.54% above tier average
- - Delinquency Rate 0.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+3.2% YoY
+0.0% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$1.3B
+1.7% YoY
-0.1% QoQ
|
-$670.0M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$1.3B
+0.1% YoY
-1.2% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.62%
+158.4% YoY
+23.6% QoQ
|
-0.75% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.1% in tier |
| Net Interest Margin ? |
3.69%
+22.5% YoY
+8.5% QoQ
|
-0.12% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
75.60%
-11.6% YoY
-3.4% QoQ
|
+14.54% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate ? |
1.15%
-12.3% YoY
+0.1% QoQ
|
+0.27% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
100.23%
+1.7% YoY
+1.1% QoQ
|
+16.03% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.04%
+8.3% YoY
+7.7% QoQ
|
+2.75% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.08%
-3.3% YoY
-0.1% QoQ
|
+0.41% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.83%
+0.2% YoY
+0.2% QoQ
|
-3.33% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.08%
+45.9% YoY
-66.9% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.