Bank of Alma
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Data as of · sourced from FFIEC call reports. How we update
Bank of Alma is an FDIC-insured commercial bank headquartered in Alma, WI, established in 1986 (FDIC certificate 26689), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $339.5M, up 4.4% from Q2 2025, the 89th largest of 153 banks headquartered in Wisconsin.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26689
- Headquarters
- Alma, WI
- Established
- 1986
- Total assets, Q2 2026
- $339.5M
- Assets vs Q2 2025
- +4.4%
- Capital ratio
- Not reported
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091803562
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Alma call report
- Holding company
- DAIRYLAND BANK HOLDING CORPORATION
- Asset rank in state
- 89th of 153 in Wisconsin
Bank of Alma is one of the more profitable banks of its size. Its balance sheet stood at $340 million at June 30, 2026, up 4.4% from a year earlier; it is based in Alma, Wisconsin. It earns about $3.02 a year on every $100 of assets, 2.4 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 77.90% of its risk-weighted assets, 5.2 times the median of 15.12% for banks its size.
Its $22 million multifamily book is now fully current, after 4.41% of it was past due or on nonaccrual a year earlier. Loans are outrunning deposits: over the year loans rose 11.8% and deposits rose 1.8%.
As of June 30, 2026, Bank of Alma reported a CET1 capital ratio of 77.90%, a return on assets of 3.02%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 1.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Alma is the 89th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $339.5M, loans rose 0.6% and deposits fell 1.3%. Non-owner-occupied commercial real estate loans made up 40.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 13.8%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Alma office books 45% of its branch deposits. On its Q2 2026 call report, Bank of Alma meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 211 S Main St, Alma, WI 54610
- County
- Buffalo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 20, 1986
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $166.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $339.2M
- Average total loans
- $200.8M
- Average interest-bearing deposits
- $116.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1986
- FDIC Cert
- 26689
- Fed RSSD
- 564052
- Website
- www.bankofalma.net →
- Parent Holding Company
- DAIRYLAND BANK HOLDING CORPORATION (RSSD 2029368)
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
Over the 12 quarters to Q2 2026, Bank of Alma's total assets ran between $302.8M (Q2 2024) and $339.5M (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
$339.5M total assets against $325.3M; $167.3M total liabilities against $164.4M.
$198.7M net loans and leases against $177.5M; $166.3M total deposits against $163.4M.
$95.9M securities against $63.1M; $41.1M cash and balances due against $82.0M.
$4.2M total interest income against $4.5M; $678K total interest expense against $723K.
$3.5M net interest income against $3.8M.
$102K total noninterest income against $58K; $445K total noninterest expense against $781K.
No provision recorded in the last 12 quarters.
$2.6M net income against $2.5M.
3.02% return on assets against 3.08%; 4.38% net interest margin against 4.82%.
50.77% tier 1 leverage ratio against 49.68%.
Inside the full Bank of Alma 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.
Bank of Alma rankings
Its closest position to the top of a national ranking is 5 of 3,606, for efficiency ratio; its furthest is 2,575 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.60% (Q3 2024) to 4.28% (Q3 2025) and its net interest margin ran from 4.38% (Q2 2026) to 5.52% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 77.90% | 3.02% | 0.97% | 1.25% | 4.38% |
| Q1 2026 | — | 3.26% | 0.79% | 1.04% | 4.59% |
| Q4 2025 | — | 3.08% | 1.87% | 2.17% | 4.75% |
| Q3 2025 | — | 4.28% | 1.74% | 1.91% | 5.52% |
| Q2 2025 | — | 3.08% | 1.39% | 1.54% | 4.82% |
| Q1 2025 | — | 3.47% | 0.91% | 1.26% | 4.87% |
| Q4 2024 | — | 3.31% | 0.91% | 1.29% | 4.48% |
| Q3 2024 | — | 2.60% | 2.08% | 2.57% | 5.12% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Bank of Alma (main office) | Alma , WI | 54610 | $74.9M |
| Pepin Branch | Pepin , WI | 54759 | $36.5M |
| Wabasha County BankBranch | Wabasha , MN | 55981 | $30.3M |
| Nelson Branch | Nelson , WI | 54756 | $24.6M |
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 |
|---|---|---|---|
| January 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2004 | Structure Change | Acquired Wabasha County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 1986 | Structure Change | Acquired The American Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 20, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 141 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Bank of Alma
What are Bank of Alma's total assets?
As of the Q2 2026 filing, Bank of Alma reported total assets of $339.5 million in its FFIEC call report.
Where is Bank of Alma headquartered?
It is headquartered in Alma, WI, United States.
When was Bank of Alma founded?
It was established in 1986, per the FDIC institution directory.
Is Bank of Alma FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Alma?
Bank of Alma's primary federal regulator is the FDIC.
What is Bank of Alma's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 77.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Alma operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Alma's Texas Ratio?
Its Texas Ratio is 1.25% 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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