BlastPoint's Banking Scorecard
Bank of Alma
Micro
Specialty: Commercial
WI
FDIC cert 26689
Designations: ✓ Community bank
Alma, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Bank of Alma has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.40% above tier
- + Efficiency Ratio 56.10% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 42.41% above tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$334.1M
+5.4% YoY
+2.3% QoQ
|
+$116.6M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$194.2M
+1.1% YoY
+7.4% QoQ
|
+$55.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$166.1M
+3.8% YoY
+3.0% QoQ
|
-$17.6M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
3.49%
+14.7% YoY
-4.1% QoQ
|
+2.40% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.93%
+3.7% YoY
-2.0% QoQ
|
+1.08% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
11.63%
-22.9% YoY
+5.0% QoQ
|
-56.10% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.90%
+104.7% YoY
+7.2% QoQ
|
+1.26% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
116.93%
-2.6% YoY
+4.3% QoQ
|
+42.41% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.88%
+18.6% YoY
+23.7% QoQ
|
+12.49% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
1.10%
+71.1% YoY
+12.6% QoQ
|
+0.65% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
+26.3% YoY
+96.7% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.49%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
11.63%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
116.93%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Efficiency Ratio
Current: 11.63% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.49% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 22.39%
78
78th pctile
Total Assets
Current: $334.1M · Tier avg: $217.5M
72
72th pctile
Total Loans
Current: $194.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $166.1M · Tier avg: $183.7M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.64%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.93% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.93% · Tier avg: 74.53%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
14
14th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.45%
50
50th pctile
Total Deposits
Current: $166.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Total Loans
Current: $194.2M · Tier avg: $139.2M
78
78th pctile
Total Assets
Current: $334.1M · Tier avg: $217.5M
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.49% · Tier avg: 1.08%
100
100th pctile
Efficiency Ratio
Current: 11.63% · Tier avg: 67.73%