Alma Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 3.77 percentage points in Q2 2026, from 400.20% to 403.97%. It was the largest change from Q1 2026 among the key lines here. Within New York, Alma Bank is 13th of 105 on loan-to-deposit ratio, 102.20% as of Q2 2026. Alma Bank reported 102.20% on loan-to-deposit ratio for Q2 2026, 14.00 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.36B |
| Net loans and leases | $1.34B |
| Loans held for sale | $0 |
| Loans to total assets | 85.40% |
| Loan-to-deposit ratio | 102.20% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.79% |
| Multifamily (5+ residential) | 16.92% |
| Commercial and industrial | 17.66% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 403.97% |
| Construction concentration (Tier 1 capital + allowance) | 15.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $20.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.20B | $1.25B | 63.27% | 11.24% | 0.08% |
| Q4 2023 | $1.23B | $1.23B | 62.19% | 12.15% | 0.06% |
| Q1 2024 | $1.20B | $1.25B | 60.21% | 12.22% | 0.08% |
| Q2 2024 | $1.22B | $1.21B | 59.84% | 12.66% | 0.15% |
| Q3 2024 | $1.28B | $1.26B | 60.22% | 12.69% | 0.13% |
| Q4 2024 | $1.30B | $1.28B | 60.38% | 13.15% | 0.12% |
| Q1 2025 | $1.30B | $1.29B | 59.43% | 14.08% | 0.12% |
| Q2 2025 | $1.31B | $1.28B | 59.02% | 14.27% | 0.10% |
| Q3 2025 | $1.29B | $1.29B | 59.40% | 14.88% | 0.09% |
| Q4 2025 | $1.32B | $1.31B | 59.38% | 15.37% | 0.03% |
| Q1 2026 | $1.32B | $1.29B | 58.26% | 16.59% | 0.03% |
| Q2 2026 | $1.36B | $1.34B | 56.79% | 17.66% | 0.06% |
Alma Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alma Bank, freeSource: Call Report Schedule RC-C, 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)