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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-Q3

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

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ -10

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 #564052 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 125.0% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.11% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -10 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +5
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -46

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 125.0%, cash 22.6% of assets.

Cash / Assets
22.62%
Loans / Deposits
124.96%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 125.0% (threshold 100%).

Securities

StrongQoQ +5
100
Sub-score

Securities profile is strong: securities 14.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.22%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 49.89%.

Tier 1 RBC
—
CET1
0.00%
Leverage
49.89%

Watch Items

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

Asset Quality

StableQoQ -16
66
Sub-score

Asset quality is stable: Adjusted NPL 2.11%, Texas Ratio 2.6%, NCO YTD 0.00%.

Adjusted NPL
2.11%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.00%
30-89 PD
2.22%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.11% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.03%.

Reserves

WatchQoQ -46
54
Sub-score

Reserves are deteriorating: ALLL 1.52% of loans, coverage 73.3%, true coverage 61.6%.

ALLL / Loans
1.52%
Coverage
73.3%
True Loss Coverage
61.6%
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