Bank Comparison
Alma Bank vs Grasshopper Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Alma Bank | Grasshopper Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.83% | 10.26% |
| Tier 1 Capital Ratio | 11.83% | 10.26% |
| Total Capital Ratio | 13.09% | 11.10% |
| Tier 1 Leverage Ratio | 10.25% | 8.06% |
| Equity / Assets | 10.12% | 9.29% |
Profitability
| Metric | Alma Bank | Grasshopper Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 1.39% |
| Return on Equity (ROE) | 6.13% | 15.46% |
| Net Interest Margin (NIM) | 3.67% | 3.51% |
| Yield on Earning Assets | 5.88% | 5.94% |
| Cost of Funds | 2.39% | 2.62% |
Asset quality
| Metric | Alma Bank | Grasshopper Bank, N.A. |
|---|---|---|
| Texas Ratio | 14.23% | 4.09% |
| Non-Performing Loan Ratio | 1.83% | 0.49% |
| Non-Performing Asset Ratio | 1.67% | 0.40% |
| Net Charge-Off Ratio | 0.00% | -0.71% |
| ACL / Loans | 1.95% | 0.83% |
Balance sheet
| Metric | Alma Bank | Grasshopper Bank, N.A. |
|---|---|---|
| Total Assets | $1,548M | $1,532M |
| Total Deposits | $1,291M | $1,368M |
| Total Loans | $1,320M | $1,178M |
| Total Equity | $156,641K | $142,295K |
| Net Income (quarter) | $2,390K | $5,437K |
Liquidity & funding
| Metric | Alma Bank | Grasshopper Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 102.22% | 86.11% |
| Core Deposit Ratio | 93.83% | 96.88% |
| Uninsured Deposit Ratio | 35.18% | 17.71% |
Identity
| Metric | Alma Bank | Grasshopper Bank, N.A. |
|---|---|---|
| Headquarters City | ASTORIA | NEW YORK |
| Headquarters State | NY | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 25152 |
| Regulator | FDIC | OCC |
| Domestic Branches | 13 | 2 |
| Employees (FTE) | 173 | 154 |
| Established | Sept. 12, 2007, midnight | May 13, 2019, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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