Alma Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alma Bank of Astoria, NY against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.72% | 1.34% | -0.62% | 14th bottom |
| ROAE | 7.00% | 12.34% | -5.34% | 15th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.78% | 3.83% | -0.05% | 54th above |
| Efficiency Ratio | 74.69% | 58.97% | +15.72% | 11th bottom |
| PPNR / Avg Assets | 1.00% | — | — | 14th bottom |
| Yield on Earning Assets | 5.99% | 5.71% | +0.28% | 76th top |
| Cost of Funds | 2.39% | 2.02% | +0.37% | 25th below |
| Net Interest Spread | 2.91% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.84% | 0.87% | -0.03% | 33rd below |
| NPA / Total Assets | 0.83% | — | — | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.24% | 0.43% | -0.19% | 16th bottom |
| ACL / Total Loans | 1.84% | — | — | 94th top |
| ACL / NPLs (Coverage) | 218.82% | — | — | 52nd above |
| Texas Ratio | 7.17% | 5.48% | +1.69% | 25th below |
| Provision / NCO | 18.59% | — | — | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.68% | 14.99% | -3.31% | 18th bottom |
| Tier 1 Ratio | 11.68% | 15.02% | -3.34% | 18th bottom |
| Total Capital Ratio | 12.94% | — | — | 21st bottom |
| Leverage Ratio | 10.35% | 11.11% | -0.76% | 46th below |
| Equity / Assets | 9.99% | 11.02% | -1.03% | 43rd below |
| TCE / Tangible Assets | 9.98% | — | — | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.20% | 86.99% | +15.21% | 13th bottom |
| Core Deposit Ratio | 78.96% | 85.57% | -6.61% | 19th bottom |
| Uninsured Deposit Ratio | 38.29% | 33.19% | +5.10% | 32nd below |
| Wholesale Funding Ratio | 5.68% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.61% | — | — | 51st above |
| Loan Growth (Y/Y) | 4.34% | — | — | 41st below |
| Deposit Growth (Y/Y) | 4.27% | — | — | 45th below |
See Alma Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alma Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Alma Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Alma Bank peer analysis.