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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.65% | 1.00% | 1.72% | Beats 25% | 27 / 36 | | |
| Return on Equity | 6.46% | 5.35% | 9.30% | 13.56% | Beats 34% | 23 / 35 | | |
| Net Interest Margin | 3.60% | 2.66% | 3.13% | 3.63% | Beats 72% | 10 / 36 | | |
| Efficiency Ratio | 75.14% | 52.19% | 63.09% | 75.14% | Beats 26% | 27 / 35 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.46% | 0.84% | 1.59% | Beats 50% | 19 / 36 | | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.03% | 0.14% | Beats 33% | 25 / 36 | | |
| Capital |
| Tier 1 Capital Ratio | 11.68% | 13.13% | 14.78% | 18.34% | Beats 14% | 31 / 36 | | |
| Total Risk-Based Capital Ratio | 12.94% | 13.73% | 15.96% | 19.27% | Beats 17% | 30 / 36 | | |
| Equity / Assets | 9.99% | 9.80% | 11.58% | 14.82% | Beats 31% | 25 / 36 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.20% | 81.12% | 95.13% | 103.24% | 69th pctl | 11 / 36 | | |
| Loans / Assets | 85.40% | 67.44% | 76.31% | 84.79% | 81st pctl | 7 / 36 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |