Alma Bank
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Data as of · sourced from FFIEC call reports. How we update
Alma Bank is an FDIC-insured commercial bank headquartered in Astoria, NY, established in 2007 (FDIC certificate 58424), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.60B, up 5.6% from Q2 2025, the 41st largest of 105 banks headquartered in New York. Its CET1 capital ratio was 11.68% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58424
- Headquarters
- Astoria, NY
- Established
- 2007
- Total assets, Q2 2026
- $1.60B
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 11.68%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 026014384
- Asset rank in state
- 41st of 105 in New York
Alma Bank leans heavily on commercial real estate. The Astoria, New York bank had $1.6 billion in assets at June 30, 2026, up 5.6% from a year earlier. It holds commercial real estate loans worth 4.0 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $2.8 million, 59% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.84% of loans, down from 1.25% a year earlier. Profitability lags: it earns about $0.72 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Alma Bank reported a CET1 capital ratio of 11.68%, a return on assets of 0.72%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 7.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Alma Bank is the 41st largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $1.60B, loans rose 3.3% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 33.4% of total loans, ahead of owner-occupied commercial real estate loans at 23.5%. Its 13 offices in the FDIC Summary of Deposits are in 9 cities across 2 states; its Astoria 3 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, Alma Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2831 31st St, Astoria, NY 11102
- County
- Queens
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 12, 2007
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 182
- Domestic deposits
- $1.34B
- Allowance for credit losses
- $25.1M
- Net charge-offs (YTD)
- $792K
- Average total assets
- $1.54B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $990.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 12, 2007
- FDIC Cert
- 58424
- Fed RSSD
- 3633173
- Website
- www.almabank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Alma Bank's total assets moved between a low of $1.41B (Q3 2023) and a high of $1.60B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.60B total assets against $1.51B; $1.44B total liabilities against $1.36B.
$1.34B net loans and leases against $1.28B; $1.34B total deposits against $1.28B.
$64.9M securities against $74.1M; $126.6M cash and balances due against $99.4M.
$22.4M total interest income against $21.4M; $8.3M total interest expense against $9.2M.
$14.1M net interest income against $12.2M.
$1.2M total noninterest income against $891K; $11.4M total noninterest expense against $10.2M.
$150K provision for credit losses against $450K.
$2.8M net income against $1.7M.
0.72% return on assets against 0.46%; 3.78% net interest margin against 3.32%.
11.68% CET1 capital ratio against 11.74%; 10.35% tier 1 leverage ratio against 9.97%.
Inside the full Alma Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Alma Bank rankings
Its closest position to the top of a national ranking is 698 of 4,196, for total assets; its furthest is 1,812 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q3 2024) to 0.72% (Q4 2025) and its net interest margin ran from 2.79% (Q3 2024) to 3.78% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.68% | 0.72% | 0.84% | 7.17% | 3.78% |
| Q1 2026 | 11.83% | 0.63% | 1.13% | 9.19% | 3.67% |
| Q4 2025 | 11.81% | 0.72% | 1.13% | 9.29% | 3.68% |
| Q3 2025 | 11.91% | 0.59% | 1.43% | 11.45% | 3.54% |
| Q2 2025 | 11.74% | 0.46% | 1.25% | 9.41% | 3.32% |
| Q1 2025 | 11.80% | 0.24% | 1.29% | 9.78% | 2.97% |
| Q4 2024 | 11.78% | 0.37% | 1.34% | 10.19% | 3.05% |
| Q3 2024 | 11.73% | 0.21% | 1.42% | 10.79% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Alma Bank (main office) | Astoria , NY | 11102 | $440.4M |
| Clifton Branch | Clifton , NJ | 07011 | $152.1M |
| Flushing Branch Office | Flushing , NY | 11358 | $129.1M |
| Ditmars Branch | Astoria , NY | 11105 | $119.1M |
| Bayridge Brooklyn Branch | Brooklyn , NY | 11209 | $78.8M |
| Pelham Bay, Bronx Branch | Bronx , NY | 10461 | $72.2M |
| Broadway Branch | Astoria , NY | 11103 | $65.2M |
| Avenue of the Americas Branch | New York , NY | 10018 | $54.7M |
| Kings Highway Branch | Brooklyn , NY | 11229 | $52.5M |
| 13th Avenue Branch | Brooklyn , NY | 11219 | $48.4M |
| Palisade Avenue Branch | Fort Lee , NJ | 07024 | $43.9M |
| Tenafly, New Jersey Branch | Tenafly , NJ | 07670 | $42.4M |
| Port Washington Branch | Port Washington , NY | 11050 | $36.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 21, 2012 | Structure Change | Acquired Fort Lee Federal Savings Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 20, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 77 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $4.5M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Alma Bank
What are Alma Bank's total assets?
As of the Q2 2026 filing, Alma Bank reported total assets of $1.60 billion in its FFIEC call report.
Where is Alma Bank headquartered?
It is headquartered in Astoria, NY, United States.
When was Alma Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Alma Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58424). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alma Bank?
Alma Bank's primary federal regulator is the FDIC.
What is Alma Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does Alma Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Alma Bank's Texas Ratio?
Its Texas Ratio is 7.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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