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Alma Bank
Astoria, NY · FDIC Certificate #58424 · Chartered 09/1
Total assets
$1.60B
Total deposits
$1.34B
Total equity
$159.64M
Net loans
$1.34B
Branches (offices)
13
Net income (YTD)
$5.16M
Rank: #706 of 4,213 U.S. banks by assets · #47 of 115 in New York. Assets changed 5.6% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.66% |
| Return on equity | 6.56% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 9.99% |
| Tier 1 leverage ratio | 10.35% |
| Uninsured deposits (share of deposits) | 38.3% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 100.3% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.09B | 81.0% | |
| Commercial & industrial | $241.46M | 18.0% | |
| Consumer / individual | $864.00K | 0.1% | |
| Construction & development | $28.91M | 2.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.30B | $1.14B | $3.56M | $134.95M |
| Jun 2023 | $1.43B | $1.27B | $1.11M | $140.81M |
| Jun 2024 | $1.41B | $1.21B | $922.00K | $144.44M |
| Jun 2025 | $1.51B | $1.28B | $2.63M | $149.99M |
| Jun 2026 | $1.60B | $1.34B | $5.16M | $159.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.10B | 10 |
| New Jersey | $238.40M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.34B.
Similar-sized banks
Farmers State Bank ($1.60B) · First Savings Bank ($1.59B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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