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Alma Bank

IDRSSD: 3633173
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q3QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #3633173 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ -3
67
Sub-score

Liquidity is stable: brokered 17.0%, loans/deposits 99.9%, cash 6.8% of assets.

Cash / Assets
6.79%
Loans / Deposits
99.93%
Brokered %
16.96%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.47%
No watch items at this period.

Capitalization

StableQoQ -5
77
Sub-score

Capital position is stable: Tier 1 RBC 11.73%, CET1 11.73%, leverage 10.26%.

Tier 1 RBC
11.73%
CET1
11.73%
Leverage
10.26%
No watch items at this period.

Asset Quality

StrongQoQ -1
92
Sub-score

Asset quality is strong: Adjusted NPL 1.45%, Texas Ratio 10.8%, NCO YTD -0.01%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
-0.01%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -17
56
Sub-score

Reserves are deteriorating: ALLL 1.82% of loans, coverage 128.1%, true coverage 40.4%.

ALLL / Loans
1.82%
Coverage
128.1%
True Loss Coverage
40.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.4% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:54:37 UTC