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Bank Of Alma

IDRSSD: 564052
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-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

2024-Q1

Bank #564052 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 128.2% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -16
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 128.2%, cash 9.1% of assets.

Cash / Assets
9.14%
Loans / Deposits
128.25%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 128.2% (threshold 100%).

Securities

StrongQoQ -16
84
Sub-score

Securities profile is strong: securities 24.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.94%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 48.12%.

Tier 1 RBC
—
CET1
0.00%
Leverage
48.12%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
99
Sub-score

Reserves are strong: ALLL 1.46% of loans, coverage 1129.2%, true coverage 285.0%.

ALLL / Loans
1.46%
Coverage
1129.2%
True Loss Coverage
285.0%
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: 2026-05-13 04:10:07 UTC