Bank of Alma: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of Alma is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Bank of Alma reported $340M in total assets against $166M in deposits. Returns are notably above industry norms: 3.02% ROA, 6.00% ROE, and 4.38% NIM. A CET1 ratio of 77.90% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. Asset quality is solid, 0.89% nonperforming loans and a 1.37% Texas Ratio. It operates 4 branches, primarily in Wisconsin.
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 0.89%, a Texas ratio of 1.37%, per financial data filed with the FFIEC.
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
- Offices
- 4 domestic
- Employees (FTE)
- 18
- Domestic deposits
- $166.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $0
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Alma terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Alma, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Alma: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 77.90% | 3.02% | 0.89% | 1.37% | 4.38% |
| Q1 2026 | — | 3.26% | 0.90% | 1.17% | 4.59% |
| Q4 2025 | — | 3.08% | 1.39% | 2.30% | 4.75% |
| Q3 2025 | — | 4.28% | 1.20% | 2.05% | 5.52% |
| Q2 2025 | — | 3.08% | 1.23% | 1.67% | 4.82% |
| Q1 2025 | — | 3.47% | 1.30% | 1.73% | 4.87% |
| Q4 2024 | — | 3.31% | 1.30% | 1.77% | 4.48% |
| Q3 2024 | — | 2.60% | 1.46% | 3.06% | 5.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| 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
What the public regulatory sources show for Bank of Alma, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 141 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Alma headquartered?
Bank of Alma is headquartered in Alma, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Alma founded?
Bank of Alma was established in 1986, per the FDIC institution directory.
Is Bank of Alma FDIC-insured?
Yes. Bank of Alma 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Alma's CET1 capital ratio?
Bank of Alma 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?
Bank of Alma 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?
Bank of Alma's Texas Ratio is 1.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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