Bank of Alma is a state-chartered bank headquartered in Alma, Wisconsin, in business for about 40 years. At the end of Q2 2026 it reported $339.5M in total assets and $166.3M in deposits, with 4 offices across 2 states.
Bank of Alma has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 29th. Capital cushion contributes the most (100/100, 50.77%); funding & liquidity contributes the least (44/100, 119% loans-to-deposits, 20% 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 3 points (80 → 83), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 75 |
| Q4 2024 | 84 |
| Q1 2025 | 84 |
| Q2 2025 | 80 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 85 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 49.56% |
| Q3 2024 | 49.89% |
| Q4 2024 | 50.06% |
| Q1 2025 | 49.32% |
| Q2 2025 | 49.68% |
| Q3 2025 | 49.94% |
| Q4 2025 | 50.79% |
| Q1 2026 | 50.00% |
| Q2 2026 | 50.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 2.08% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.91% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.87% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.97% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.14% |
| Q3 2024 | 2.96% |
| Q4 2024 | 3.04% |
| Q1 2025 | 3.49% |
| Q2 2025 | 3.28% |
| Q3 2025 | 3.63% |
| Q4 2025 | 3.49% |
| Q1 2026 | 3.29% |
| Q2 2026 | 3.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $339.5M | 50.77% | 0.97% | 3.16% | 119.5% |
| Q1 2026 | 85 | $339.3M | 50.00% | 0.79% | 3.29% | 117.2% |
| Q4 2025 | 76 | $334.1M | 50.79% | 1.87% | 3.49% | 116.9% |
| Q3 2025 | 77 | $326.5M | 49.94% | 1.74% | 3.63% | 112.1% |
| Q2 2025 | 80 | $325.3M | 49.68% | 1.39% | 3.28% | 108.6% |
| Q1 2025 | 84 | $322.6M | 49.32% | 0.91% | 3.49% | 117.6% |
| Q4 2024 | 84 | $316.9M | 50.06% | 0.91% | 3.04% | 120.1% |
| Q3 2024 | 75 | $306.1M | 49.89% | 2.08% | 2.96% | 125.0% |
| Q2 2024 | 87 | $302.8M | 49.56% | 0.56% | 3.14% | 127.4% |
2,650 peers · $100 million – $1 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 Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cumberland Federal Bank, FSBBank Cumberland, WI | 78 out of 100, Strong | $341.6M | 10.1% | 0.19% | vs |
| Citizens First BankBank Viroqua, WI | 75 out of 100, Strong | $344.5M | 10.3% | 0.44% | vs |
| First National Community BankBank New Richmond, WI | 71 out of 100, Strong | $345.3M | 9.4% | 0.16% | vs |
| Waumandee State BankBank Waumandee, WI | 67 out of 100, Moderate | $345.5M | 9.4% | 0.60% | vs |
| Clare Bank, National AssociationBank Platteville, WI | 72 out of 100, Strong | $332.5M | 11.6% | 0.85% | vs |
| Northern State BankBank Ashland, WI | 78 out of 100, Strong | $330.8M | 9.9% | 0.22% | vs |
Deposit insurance
Is my money safe at Bank of Alma?
Yes. Bank of Alma is an FDIC-insured institution (FDIC certificate #26689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.3% of deposits ($33.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 50.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 79.15% (benchmark: 10%).
4 locations
Branches
Bank of Alma lists 4 offices in 4 cities across 2 states. Most locations:
- Alma, WI (1)
- Nelson, WI (1)
- Pepin, WI (1)
- Wabasha, MN (1)
Identity & history
Profile
- Legal name
- Bank of Alma
- Type
- State-chartered bank
- FDIC certificate #
- 26689
- RSSD ID
- 564052
- Primary regulator
- FDIC
- Holding company
- Dairyland Bank Holding Corp
- Established
- June 20, 1986
- Headquarters
- 211 S Main St, Alma, WI 54610
- Website
- www.bankofalma.net
- Employees
- 18
Quick answers
Bank of Alma: common questions
Is Bank of Alma FDIC insured?
Yes. Bank of Alma is an FDIC-insured institution (FDIC certificate #26689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Alma's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Alma ever failed?
There is no failure record for FDIC certificate #26689 in the FDIC failed bank list.
How many branches does Bank of Alma have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Alma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wnb Financial, N.A.Bank Winona, MN | 76 out of 100, Strong | $583.7M | 10.3% | 0.08% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Independence State BankBank Independence, WI | 75 out of 100, Strong | $84.2M | 10.4% | 0.00% | vs |
| Merchants Bank, National AssociationBank Winona, MN | 73 out of 100, Strong | $2.9B | 11.5% | 0.53% | vs |
| Alliance BankBank Mondovi, WI | 72 out of 100, Strong | $266.0M | 9.0% | 0.58% | vs |
| Alliance BankBank Lake City, MN | 70 out of 100, Strong | $755.9M | 10.1% | 0.01% | vs |