Alma Bank is a state-chartered bank headquartered in Astoria, New York, in business for about 19 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.3B in deposits, with 13 offices across 2 states.
Alma Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 83rd. Problem-loan coverage contributes the most (86/100, 7.2%); funding & liquidity contributes the least (34/100, 100% loans-to-deposits, 38% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (51 → 57), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 49 |
| Q4 2024 | 49 |
| Q1 2025 | 50 |
| Q2 2025 | 51 |
| Q3 2025 | 50 |
| Q4 2025 | 53 |
| Q1 2026 | 54 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.33% |
| Q3 2024 | 10.27% |
| Q4 2024 | 9.99% |
| Q1 2025 | 9.95% |
| Q2 2025 | 9.98% |
| Q3 2025 | 10.19% |
| Q4 2025 | 10.26% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.13% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $1.6B | 10.35% | 0.84% | 0.66% | 100.3% |
| Q1 2026 | 54 | $1.5B | 10.25% | 1.13% | 0.62% | 100.2% |
| Q4 2025 | 53 | $1.5B | 10.26% | 1.13% | 0.50% | 99.2% |
| Q3 2025 | 50 | $1.5B | 10.19% | 1.43% | 0.43% | 98.6% |
| Q2 2025 | 51 | $1.5B | 9.98% | 1.25% | 0.35% | 100.2% |
| Q1 2025 | 50 | $1.5B | 9.95% | 1.29% | 0.24% | 98.6% |
| Q4 2024 | 49 | $1.5B | 9.99% | 1.34% | 0.21% | 99.1% |
| Q3 2024 | 49 | $1.5B | 10.27% | 1.42% | 0.16% | 99.9% |
| Q2 2024 | 53 | $1.4B | 10.33% | 0.95% | 0.13% | 99.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grasshopper Bank, N.A.Bank New York, NY | 64 out of 100, Moderate | $1.6B | 8.2% | 0.46% | vs |
| Bank of UticaBank Utica, NY | 92 out of 100, Very strong | $1.5B | 26.5% | 0.59% | vs |
| The Adirondack Trust CompanyBank Saratoga Springs, NY | 69 out of 100, Moderate | $1.7B | 10.5% | 0.44% | vs |
| Pathfinder BankBank Oswego, NY | 42 out of 100, Below average | $1.5B | 9.6% | 4.69% | vs |
| Rhinebeck BankBank Rhinebeck, NY | 69 out of 100, Moderate | $1.5B | 10.9% | 0.38% | vs |
| Ulster Savings BankBank Kingston, NY | 53 out of 100, Below average | $1.4B | 9.8% | 1.54% | vs |
Deposit insurance
Is my money safe at Alma Bank?
Yes. Alma Bank is an FDIC-insured institution (FDIC certificate #58424). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.3% of deposits ($511.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.94% (benchmark: 10%).
13 locations
Branches
Alma Bank lists 13 offices in 9 cities across 2 states. Most locations:
- Astoria, NY (3)
- Brooklyn, NY (3)
- Bronx, NY (1)
- Clifton, NJ (1)
- Flushing, NY (1)
- Fort Lee, NJ (1)
- New York, NY (1)
- Port Washington, NY (1)
- Tenafly, NJ (1)
Identity & history
Profile
- Legal name
- Alma Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58424
- RSSD ID
- 3633173
- Primary regulator
- FDIC
- Established
- September 12, 2007
- Headquarters
- 2831 31st St, Astoria, NY 11102
- Website
- www.almabank.com
- Employees
- 182
Quick answers
Alma Bank: common questions
Is Alma Bank FDIC insured?
Yes. Alma Bank is an FDIC-insured institution (FDIC certificate #58424). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Alma Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Alma Bank ever failed?
There is no failure record for FDIC certificate #58424 in the FDIC failed bank list.
How many branches does Alma Bank have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Astoria
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |