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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-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

2024-Q2

Bank #564052 2024-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 127.4% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +11
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +2
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 127.4%, cash 14.3% of assets.

Cash / Assets
14.27%
Loans / Deposits
127.37%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 127.4% (threshold 100%).

Securities

StrongQoQ +11
95
Sub-score

Securities profile is strong: securities 21.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.55%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 49.56%.

Tier 1 RBC
—
CET1
0.00%
Leverage
49.56%

Watch Items

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

Asset Quality

StrongQoQ -15
82
Sub-score

Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
2.99%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
100
Sub-score

Reserves are strong: ALLL 1.52% of loans, coverage 268.9%, true coverage 221.3%.

ALLL / Loans
1.52%
Coverage
268.9%
True Loss Coverage
221.3%
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