BlastPoint's Banking Scorecard
Alma Bank
Community
Specialty: Commercial
NY
FDIC cert 58424
Astoria, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Alma Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+3.8% YoY
+1.7% QoQ
|
+$156.6M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.3B
+1.9% YoY
+2.2% QoQ
|
+$321.0M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.3B
+1.8% YoY
+1.7% QoQ
|
+$142.7M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.50%
+138.7% YoY
+16.6% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.41%
+20.4% YoY
+2.7% QoQ
|
-0.26% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
78.23%
-13.3% YoY
-1.3% QoQ
|
+15.60% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.15%
-15.2% YoY
-21.0% QoQ
|
+0.53% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
99.18%
+0.1% YoY
+0.6% QoQ
|
+16.11% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.33%
-0.2% YoY
+0.3% QoQ
|
+1.28% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.08%
-6.8% YoY
-18.7% QoQ
|
+0.58% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
11.81%
+0.3% YoY
-0.9% QoQ
|
+1.57% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.23%
+0.0% YoY
+39.5% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#156 of 513 · Bottom 30% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.18%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.18% · Tier avg: 83.06%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.33% · Tier avg: 21.05%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 10.24%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
13
13th pctile
Efficiency Ratio
Current: 78.23% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
Top Weaknesses
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 78.23% · Tier avg: 62.63%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.33% · Tier avg: 21.05%
71
71th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.18% · Tier avg: 83.06%