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Alma Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #3633173 2026-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +25

The five pillars

Liquidity

StableQoQ -2
69
Sub-score

Liquidity is stable: brokered 16.0%, loans/deposits 100.2%, cash 7.6% of assets.

Cash / Assets
7.59%
Loans / Deposits
100.23%
Brokered %
15.99%

Watch Items

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

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

StableQoQ 0
78
Sub-score

Capital position is stable: Tier 1 RBC 11.83%, CET1 11.83%, leverage 10.25%.

Tier 1 RBC
11.83%
CET1
11.83%
Leverage
10.25%
No watch items at this period.

Asset Quality

StrongQoQ -4
90
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 8.2%, NCO YTD 0.00%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.00%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +25
94
Sub-score

Reserves are strong: ALLL 1.95% of loans, coverage 171.9%, true coverage 106.5%.

ALLL / Loans
1.95%
Coverage
171.9%
True Loss Coverage
106.5%
No watch items at this period.

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