Alma Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 3.8% from Q1 2026 to Q2 2026, ending at $75.9M against $73.2M. It was the largest change among the key lines on this page. On CET1 ratio, Alma Bank is 4th from the bottom among 82 New York banks, 11.68% (Q2 2026). Alma Bank reported 11.68% on CET1 ratio for Q2 2026, 1.82 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.94% |
| Tier 1 leverage ratio | 10.35% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $159.4M |
| Tier 1 capital | $159.4M |
| Total risk-based capital | $176.5M |
| Total equity capital | $159.6M |
| Risk-weighted assets | $1.36B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.99% |
| Tangible equity to tangible assets | 9.98% |
| Equity capital to average assets | 10.36% |
| Internal capital growth rate | 7.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $29.5M |
| Common stock surplus | $54.2M |
| Retained earnings | $75.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.00% | 12.00% | 13.26% | 10.05% | $1.19B |
| Q4 2023 | 11.87% | 11.87% | 13.13% | 10.29% | $1.21B |
| Q1 2024 | 12.38% | 12.38% | 13.64% | 10.20% | $1.16B |
| Q2 2024 | 12.23% | 12.23% | 13.49% | 10.33% | $1.18B |
| Q3 2024 | 11.73% | 11.73% | 12.98% | 10.27% | $1.24B |
| Q4 2024 | 11.78% | 11.78% | 13.03% | 9.99% | $1.25B |
| Q1 2025 | 11.80% | 11.80% | 13.06% | 9.95% | $1.25B |
| Q2 2025 | 11.74% | 11.74% | 13.00% | 9.97% | $1.27B |
| Q3 2025 | 11.91% | 11.91% | 13.17% | 10.19% | $1.28B |
| Q4 2025 | 11.81% | 11.81% | 13.07% | 10.26% | $1.31B |
| Q1 2026 | 11.83% | 11.83% | 13.09% | 10.25% | $1.32B |
| Q2 2026 | 11.68% | 11.68% | 12.94% | 10.35% | $1.36B |
Alma Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alma Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58424) · FFIEC NIC profile (RSSD 3633173)