Bank Comparison
Bank of Alma vs Clare Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Alma | Clare Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 50.00% | 11.29% |
| Equity / Assets | 50.00% | 8.88% |
Profitability
| Metric | Bank of Alma | Clare Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 3.26% | 0.93% |
| Return on Equity (ROE) | 6.57% | 11.01% |
| Net Interest Margin (NIM) | 4.59% | 2.32% |
| Yield on Earning Assets | 5.42% | 3.94% |
| Cost of Funds | 1.65% | 1.82% |
Asset quality
| Metric | Bank of Alma | Clare Bank, N.A. |
|---|---|---|
| Texas Ratio | 1.17% | 3.90% |
| Non-Performing Loan Ratio | 0.90% | 0.70% |
| Non-Performing Asset Ratio | 0.59% | 0.35% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.47% | 0.47% |
Balance sheet
| Metric | Bank of Alma | Clare Bank, N.A. |
|---|---|---|
| Total Assets | $339,278K | $342,755K |
| Total Deposits | $168,499K | $286,713K |
| Total Loans | $200,354K | $172,951K |
| Total Equity | $169,651K | $30,439K |
| Net Income (quarter) | $2,765K | $831 |
Liquidity & funding
| Metric | Bank of Alma | Clare Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 118.91% | 60.32% |
| Core Deposit Ratio | 94.99% | 97.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Alma | Clare Bank, N.A. |
|---|---|---|
| Headquarters City | ALMA | PLATTEVILLE |
| Headquarters State | WI | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15649 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 8 |
| Employees (FTE) | 22 | 39 |
| Established | June 20, 1986, midnight | Oct. 28, 1905, 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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