PackageTrendsPeer
Letter portraitLegal landscape

Alma Bank

Astoria, NY · Cert 58424 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.6BAssets
$1.4BLoans
$1.3BDeposits
$159.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 72% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 10 of 36).
  • Widest gap: tier 1 capital ratio trails 86% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 36).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.65%

Rank 27 of 36

Net Interest Margin

3.60%

Rank 10 of 36

Efficiency Ratio

75.14%

Rank 27 of 35

Equity / Assets

9.99%

Rank 25 of 36

Non-interest income vs. expense

$4.7M$45.2MINCOMEEXPENSE
Unfavorable gap of $40.5M · efficiency ratio beats 26% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 75.14%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.65%1.00%1.72%Beats 25%27 / 36
Return on Equity6.46%5.35%9.30%13.56%Beats 34%23 / 35
Net Interest Margin3.60%2.66%3.13%3.63%Beats 72%10 / 36
Efficiency Ratio75.14%52.19%63.09%75.14%Beats 26%27 / 35
Asset Quality
Nonperforming Loans / Loans0.84%0.46%0.84%1.59%Beats 50%19 / 36
Net Charge-Offs / Loans0.07%n/a0.03%0.14%Beats 33%25 / 36
Capital
Tier 1 Capital Ratio11.68%13.13%14.78%18.34%Beats 14%31 / 36
Total Risk-Based Capital Ratio12.94%13.73%15.96%19.27%Beats 17%30 / 36
Equity / Assets9.99%9.80%11.58%14.82%Beats 31%25 / 36
Liquidity & Funding
Loans / Deposits102.20%81.12%95.13%103.24%69th pctl11 / 36
Loans / Assets85.40%67.44%76.31%84.79%81st pctl7 / 36
Brokered Deposits / Depositsn/aNot reported for this institution