Bank of Alma: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Alma of Alma, WI against its peer group of 2672 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 | 3.02% | 1.34% | +1.68% | 97th top |
| ROAE | 6.00% | 13.32% | -7.32% | 17th bottom |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 12.10% | 61.15% | -49.05% | 100th top |
| PPNR / Avg Assets | 3.71% | 1.68% | +2.03% | 98th top |
| Yield on Earning Assets | 5.21% | 5.67% | -0.46% | 31st below |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 65th above |
| Net Interest Spread | 2.78% | 3.32% | -0.54% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 0.94% | -0.05% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 75th top |
| ACL / NPLs (Coverage) | 164.30% | 1539.17% | -1374.87% | 42nd below |
| Texas Ratio | 1.37% | 7.33% | -5.96% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 77.90% | 19.47% | +58.43% | 98th top |
| Tier 1 Ratio | 77.90% | 19.50% | +58.40% | 98th top |
| Total Capital Ratio | 79.15% | 20.59% | +58.56% | 98th top |
| Leverage Ratio | 50.77% | 12.13% | +38.64% | 99th top |
| Equity / Assets | 50.73% | 11.36% | +39.37% | 99th top |
| TCE / Tangible Assets | 50.73% | 11.08% | +39.65% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.25% | 80.62% | +40.63% | 1st bottom |
| Core Deposit Ratio | 95.01% | 86.86% | +8.15% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.38% | 6.85% | -2.47% | 50th above |
| Loan Growth (Y/Y) | 11.79% | 7.90% | +3.89% | 79th top |
| Deposit Growth (Y/Y) | 1.77% | 6.29% | -4.52% | 34th below |
See Bank of Alma's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Alma, 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 Bank of Alma profile, how to read a UBPR, or how this data updates.