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Alma Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #3633173 2025-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -2
68
Sub-score

Liquidity is stable: brokered 14.6%, loans/deposits 100.2%, cash 6.6% of assets.

Cash / Assets
6.55%
Loans / Deposits
100.23%
Brokered %
14.59%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.28%
No watch items at this period.

Capitalization

StableQoQ -1
77
Sub-score

Capital position is stable: Tier 1 RBC 11.74%, CET1 11.74%, leverage 9.97%.

Tier 1 RBC
11.74%
CET1
11.74%
Leverage
9.97%
No watch items at this period.

Asset Quality

StrongQoQ +7
93
Sub-score

Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 9.4%, NCO YTD -0.02%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
-0.02%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
63
Sub-score

Reserves are stable: ALLL 1.86% of loans, coverage 148.8%, true coverage 45.6%.

ALLL / Loans
1.86%
Coverage
148.8%
True Loss Coverage
45.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.6% (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