Bank of Alma: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 7.61 percentage points in Q2 2026, from 20.63% to 28.23%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, Bank of Alma sits 7th from the top on return on assets, 3.02% as of Q2 2026. Bank of Alma's return on assets of 3.02% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 77.90% |
| Tier 1 risk-based capital ratio | 77.90% |
| Total risk-based capital ratio | 79.15% |
| Tier 1 leverage ratio | 50.77% |
| Equity capital to assets | 50.73% |
| Tangible equity to tangible assets | 50.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.37% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 164.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.02% |
| Return on equity | 6.00% |
| Net interest margin | 4.38% |
| Efficiency ratio | 12.10% |
| Yield on earning assets | 5.21% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.25% |
| Core deposits to total deposits | 95.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 48.99% |
| Securities to assets | 28.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 46.77% | 2.90% | 4.47% | 0.76% | 0.00% |
| Q4 2023 | 47.81% | 3.06% | 4.68% | 0.46% | 0.00% |
| Q1 2024 | 48.12% | 3.02% | 4.62% | 0.51% | 0.00% |
| Q2 2024 | 49.56% | 3.24% | 4.93% | 0.68% | 0.00% |
| Q3 2024 | 49.89% | 2.60% | 5.12% | 1.46% | 0.00% |
| Q4 2024 | 50.06% | 3.31% | 4.48% | 1.30% | 0.00% |
| Q1 2025 | 49.32% | 3.47% | 4.87% | 1.30% | 0.00% |
| Q2 2025 | 49.68% | 3.08% | 4.82% | 1.23% | 0.00% |
| Q3 2025 | 49.94% | 4.28% | 5.52% | 1.20% | 0.00% |
| Q4 2025 | 50.79% | 3.08% | 4.75% | 1.39% | 0.00% |
| Q1 2026 | 50.00% | 3.26% | 4.59% | 0.90% | 0.00% |
| Q2 2026 | 50.77% | 3.02% | 4.38% | 0.89% | 0.00% |
Bank of Alma vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alma, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Bank of Alma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26689) · FFIEC NIC profile (RSSD 564052)