# BANK OF ALMA
ALMA, WI · FDIC certificate 26689 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $339.5M | |
| Deposits | $166.3M | |
| Loans and leases | $201.7M | |
| Total equity | $172.2M | |
| Loans / deposits | 119.48% (p99 of band) | 82.04% |
| Liquid assets / assets | 40.35% (p83 of band) | |
| Uninsured deposits / deposits | 20.33% (p30 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 50.77% (p100 of band) | 10.81% |
| Unrealized securities loss / equity | -0.59% (p89 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 3.16% (p98 of band) | 1.28% |
| Net interest margin | 4.36% (p76 of band) | 3.91% |
| Efficiency ratio | 12.03% (p0 of band) | |
| Noncurrent loans | 0.97% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 149.64% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 3.60% (p8 of band) | |
| Auto loans | $342,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | loans exceed deposits |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 2 |  | charge-offs p90, capital falling |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 2 |  | deposits shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | noncurrent p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 | loans exceed deposits | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | loans exceed deposits |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-06 | 4 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 2 |  | deposits shrinking, assets shrinking |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | uninsured deposits leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 1 |  | deposits shrinking, uninsured deposits leaving, noncurrent p90, reserve under noncurrent |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | reserve under noncurrent |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-09-15 [Former village clerk sentenced for stealing thousands from bank - WEAU](https://news.google.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?oc=5) · WEAU
- 2023-05-31 [Angeline Louise Schoenberger Obituary (2023) - Alma, WI - Talbot Family Funeral Home, Alma Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSXVYU0ppUHBJUlotV3JTZ3pXZGdEcUdvSVRwT2pnTlJ0YlFFTnFmS2wwSGdOdjFocmY0NFpTdWtMcG1NZDVmWFFSMUNsaVVfRXIySGM1NmhPU0wwWXF3OHNiZ3NxdnpYOHNZcGpFemlmd3k3SmRNa3NWZUJEUEdlZkR4UndvWXR1UGhlaA?oc=5) · Legacy obituary
- 2018-10-10 [Wissota View owner thinking big with renovation currently under way - Leader-Telegram](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNUHRtTEI2X1lmSU5jWG5RMlBUT1IwSHF1S0JCbGdEdTdSV05GWGJ2aUNMUFRjUjJvVmpfRGdON3NIX3BVWmxmUUY0LXZVVjhzX2tTQjVUeVhqc0Nsak9XOFN2akVZbllfQUh4Wl9fTUowcWlMWHpXbDZUSzkteHlKVXBTV2lhbzE0X3lzaVZYTFRTR1Z0Z3NkaVpPOEYwRlhySEgyTDVaeWNOOGhmN3BXLW9NNDNIc0pZbXhzSFU4ZERYNVhtSFVHN0pIMVl5NzlWckc2T25jakZ1QlI3Y0VpYjBiNkFrU25YX0dlR0JMVWY2MGRwMTJV?oc=5) · Leader-Telegram
- 2024-06-19 [Shirley L Seifert Obituary (2024) - Menomonie, WI - Rhiel Funeral Home & Cremation Services - Durand - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPLWNsRzJCMHRrbVBjeTlJQTQ1Wm9uemUtSUlJX3pEYm1QNk1sRWVoM1hkeThlWWkwYngtNVRSQWtEbWNwQmpqOGlrOFBVaURKUHBHanlhUnhUN1RlNnlDNTVTQlRtNVZHY2JBeUtteVVZNHZocUJrZUY3NGVuWkxRTkljaC0?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26689 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "26689", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide