# ALMA BANK
ASTORIA, NY · FDIC certificate 58424 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.60B | |
| Deposits | $1.34B | |
| Loans and leases | $1.36B | |
| Total equity | $159.6M | |
| Loans / deposits | 100.33% (p87 of band) | 87.10% |
| Liquid assets / assets | 11.98% (p10 of band) | |
| Uninsured deposits / deposits | 38.29% (p69 of band) | 30.76% |
| Brokered deposits | 12.15% | |
| Wholesale funding | 17.83% (p86 of band) | |
| FHLB advances / assets | 2.82% | |
| Tier 1 leverage | 10.35% (p46 of band) | 10.50% |
| Unrealized securities loss / equity | -1.36% (p85 of band) | -7.75% |
| AOCI / equity | -0.16% (p60 of band) | |
| ROA (annualized) | 0.66% (p13 of band) | 1.26% |
| Net interest margin | 3.72% (p51 of band) | 3.70% |
| Efficiency ratio | 75.14% (p88 of band) | |
| Noncurrent loans | 0.84% (p68 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p76 of band) | |
| Reserve coverage of noncurrent | 218.82% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 18.11% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 182 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 3 | loans exceed deposits |  |
| 2016-12 | 5 | liquid assets <10%, uninsured deposits leaving |  |
| 2017-03 | 3 |  | liquid assets <10%, uninsured deposits leaving |
| 2017-06 | 4 | capital falling, expense ratio p90 | loans exceed deposits |
| 2017-09 | 4 | loans exceed deposits, charge-offs p90 | capital falling, expense ratio p90 |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | wholesale funding >15%, liquid assets <10%, expense ratio p90 | charge-offs p90 |
| 2018-06 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent, liquid assets <10% |
| 2018-09 | 4 |  |  |
| 2018-12 | 8 | liquid assets <10%, capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-03 | 4 |  | charge-offs p90, liquid assets <10%, noncurrent p90, reserve under noncurrent |
| 2019-06 | 2 |  | wholesale funding >15%, capital falling |
| 2019-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 2 | charge-offs p90 | loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2020-03 | 3 | wholesale funding >15% |  |
| 2020-06 | 2 | capital falling | charge-offs p90, wholesale funding >15% |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2021-03 | 3 | charge-offs p90 | wholesale funding >15% |
| 2021-06 | 2 | capital falling | expense ratio p90, brokered >10% |
| 2021-09 | 2 | noncurrent p90 | charge-offs p90 |
| 2021-12 | 2 | reserve under noncurrent | capital falling |
| 2022-03 | 1 |  | reserve under noncurrent |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | brokered >10% | noncurrent p90 |
| 2023-03 | 1 | expense ratio p90 | brokered >10% |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | brokered >10%, uninsured deposits leaving | capital falling |
| 2023-12 | 3 | wholesale funding >15% | uninsured deposits leaving |
| 2024-03 | 2 |  | wholesale funding >15% |
| 2024-06 | 4 | wholesale funding >15%, deposits shrinking |  |
| 2024-09 | 3 |  | deposits shrinking |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 | loans exceed deposits | capital falling |
| 2025-09 | 2 |  | expense ratio p90, loans exceed deposits |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | loans exceed deposits |  |
| 2026-06 | 3 |  |  |

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

- 2026-07-30 [Alma Bank Announces Agreement to Acquire American Community Bank, Creating a Premier Community Banking Franchise Across New York and New Jersey - PR Newswire](https://news.google.com/rss/articles/CBMipAJBVV95cUxPandMN2c2OGp1RG1XUm5oVzRrSVBHQWs0TS1ZUHpzYkMyMW9zS2Fsc1ZweUpVRE9lQ2dNcHc2SG1lc05hNW1vUW9iTzBNZFMxbzlucWNfbmZTUWdSa1FpcDZDNXJQLW9rUE83U2dHRk40RjB0dUZOX21RVHE4amRGUFNjTW96ZmktUzk2VlVNWGduS3Q5MkpKbXUybmV2TEtHTDBqWmRrdUkxVG9NODMweGxycFlYZFEwdjdJdDdsWnRaNmFIVUVBNkZsNkprNmxxN1UwcGNJR2hMU3hPZmJua2VJWDljWDFVOFZyZ2ZmSzRnZnRMWGh0Tlh1dzNJV18teEtXeGpadzY4Q0ZNRzZCMG16TlExUFlrYzZtdVZKOF9vZkl1?oc=5) · PR Newswire
- 2026-07-31 [Alma Bank buys American Community Bank to build $2B New York lender - Dealroom](https://news.google.com/rss/articles/CBMiogFBVV95cUxOU3VqMjJWd2FjdG9PUmJSejBrS3hPNU1acDhHV3FYZlhZb2k0dG5fWEJZNTBmTXNVa0dMeGRSOVMwenF4YndnTW1yQnc1d2xuenpscEgweElGMUtjOEVsbUU5Qlg4RDFVSTZ6VWFPSTVCcGRnS083M3ptWkM1Ym5UdW5DanYzQkVJanVTejZOdnY4THVDZ0sxNU1rVDJ5VmsyUGc?oc=5) · Dealroom
- 2026-07-15 [Alma Bank Appoints David J. Samuels, Dino Marra and John F. Kuntz to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPeTduQnZWZzZSXzdKenRqUmJnWmJNelNtVDVJaHcxMnB6UHVHeTlfYlNNTHNZQ2s4OXJMbUNTREhMbURXWHN3ZklvYlVtMmpuOExsWE1WT3h3SWRFUUthNEhFQTd0bGE4a2trRnRQMFBhajV2VFdOSWFERUNvLTN3MUItYnJuOVhUb1FyRFFpZDBBV2kwTmFhQzdPX0c1S0pseHJoMXRzNDVnYzlWRmRfdkRyQkRUTmwxTE1YSnZiQU5aUmJIZ29ybHVHSjNFZFBDWnl4Rkhxdw?oc=5) · PR Newswire
- 2025-09-19 [Cetera strengthens financial institutions division with new bank partnerships - InvestmentNews](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQNFNHQWlldmZUTXQ3bk9ZcWZqN1hqdFA5LTVSa3dqalc4SXo0bF9jdnl2UXhoTEJBSUFtdUtINF8zeHp3Z2tURDd0Zk5CeV92LVBfeldWNVlld1FSTEhSMW9LYlVGd01reFVGZF9iODRYN1RPS3h6eWdJTlE4VHd2QmJ2NzRfOTRSQXZnU2hnaG5LOU91aHh2SWlYdTRtZTZZU0xRVXp0Q2wyR29sd0RQay1GSkVjdVhfNkRuRUVhOUFXalQyUURWU05iM3pqZ1FQOS1DLTNwUFJuQQ?oc=5) · InvestmentNews
- 2026-07-31 [Alma Bank To Acquire American Community Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMickFVX3lxTFBvWllCeXljZTZ2azB0aGpyVkg3Z0Rabms5WWZZaXVjaUU2VllnODl3aUhjdWZPLS03VWszQnlvVWdrR1Y0VXlfcmhJNEpiYTBsNjhXS29NRWZXdFBlaVNaemZqcVE5akxJeGFnQUozd2J6QdIBd0FVX3lxTFBwQ3lVY2I4X211czFsSEFENG9Vcm90cXh5VVJnNGZnNk4xNUFfQXQ0dE1adEZKeGN0TWhrNU5FR1JvTHVWWGZTYXZVcEdlV0t6bUZoeDB2cDFHUjQyVEtIQ2hDZjZnOXBOVEJhTmZIaDduRUpTeWVF?oc=5) · Pulse 2.0
- 2023-02-26 [Nancy Papaioannou joins Alma Bank as senior advisor - Bronx Times](https://news.google.com/rss/articles/CBMicEFVX3lxTE5ndFFtTENXa1RidjhpZkdyZEJVclVhLXRnWXkxdTcyRGJkVW1zMXFQYXBlbmt5NlVhbDBXVlNZSThQWlZrejRySjBWOGlxcUlCaHZITHlOWW5vbGdDWlQzcHk5Z2owNnNHTXB4Zk9mb1k?oc=5) · Bronx Times
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2025-09-17 [Alma Bank Partners with Cetera in Pursuit of Growth - CPA Practice Advisor](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSS1EbmhxTWdRdmx2VGlSREhncC1hWFRLMHBrRFlPLUZoNWpGcXhiUXcwX0J5UDFzY0JiVUlFel85Sm53bTJ0QTV6cG9VbWNXX3RwZGVpMnY2ZFNXaDk4b0pyQVhHeE1lVXBwODNEaHlKZHU1N1RxcHhvZzBfRmFMU3ByeUhSQnB2OW0tX285OWZxZmZXZzNDQ1k5b0NoOTBYdTBaejd2NU4?oc=5) · CPA Practice Advisor

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58424 (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/56.json (key "58424", 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