Bank of Alma
Alma, WI · Cert 26689 · Peer group: banks under $1B in assets in WI (n=110-113) · Dairyland Bank Holding Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
$339.5MAssets
$201.7MLoans
$166.3MDeposits
$172.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in WI (rank 1 of 113).
- Widest gap: return on equity trails 86% of banks under $1B in assets in WI (rank 97 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.14%
Rank 5 of 113
Net Interest Margin
4.28%
Rank 10 of 113
Efficiency Ratio
12.03%
Rank 1 of 113
Equity / Assets
50.73%
Rank 4 of 113
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 100% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.14% | 0.85% | 1.17% | 1.51% | Beats 96% | 5 / 113 | | |
| Return on Equity | 6.19% | 7.70% | 10.77% | 13.67% | Beats 14% | 97 / 113 | | |
| Net Interest Margin | 4.28% | 3.19% | 3.59% | 3.89% | Beats 91% | 10 / 113 | | |
| Efficiency Ratio | 12.03% | 54.61% | 62.43% | 71.88% | Beats 100% | 1 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.03% | 0.24% | 0.91% | Beats 24% | 85 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 77.90% | 11.22% | 12.95% | 15.76% | Beats 97% | 3 / 113 | | |
| Total Risk-Based Capital Ratio | 79.15% | 11.57% | 13.59% | 16.73% | Beats 97% | 3 / 113 | | |
| Equity / Assets | 50.73% | 9.17% | 10.74% | 13.13% | Beats 96% | 4 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 121.25% | 76.54% | 86.37% | 98.93% | 98th pctl | 2 / 112 | | |
| Loans / Assets | 59.39% | 63.07% | 71.33% | 78.84% | 20th pctl | 90 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |