| Metric | Bank of Alma | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.2 pts |
| Loan growth (YoY) | +12.0% | +5.6% | +6.4 pts |
| ROA | 3.16% | 1.24% | +1.9 pts |
| ROE | 6.3% | 11.9% | -5.6 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $339.5M | $166.3M | $198.7M | $172.2M | $5.3M | 3.16% | 4.36% | 0.64% |
| Q1 2026 | $339.3M | $168.5M | $197.4M | $169.7M | $2.8M | 3.29% | 4.53% | 0.53% |
| Q4 2025 | $334.1M | $166.1M | $194.2M | $166.9M | $11.3M | 3.49% | 4.93% | 1.10% |
| Q3 2025 | $326.5M | $161.3M | $180.8M | $164.4M | $8.8M | 3.63% | 5.03% | 0.98% |
| Q2 2025 | $325.3M | $163.4M | $177.5M | $160.8M | $5.3M | 3.28% | 4.79% | 0.77% |
| Q1 2025 | $322.6M | $162.4M | $191.0M | $158.3M | $2.8M | 3.49% | 4.77% | 0.63% |
| Q4 2024 | $316.9M | $160.0M | $192.1M | $155.6M | $9.3M | 3.04% | 4.75% | 0.64% |
| Q3 2024 | $306.1M | $151.7M | $189.6M | $153.0M | $6.8M | 2.96% | 4.87% | 1.31% |
Loan mix (Q2 2026): real estate $170.6M · commercial $6.3M · consumer $1.1M · securities $95.9M
| Ratio | Bank of Alma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.16% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 12.0% | 62.9% | 0th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Alma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Alma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Alma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Alma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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