Side-by-side · Q2 2026 data
Ulster Savings Bank vs Alma Bank
Metric by metric
| Measure | Ulster Savings Bank | Alma Bank |
|---|---|---|
| TellerScore | 53 | 57 (stronger) |
| Capital cushion | 48 | 53 (stronger) |
| Loan quality | 49 | 72 (stronger) |
| Earnings | 42 | 46 (stronger) |
| Funding & liquidity | 70 (stronger) | 34 |
| Problem-loan coverage | 76 | 86 (stronger) |
| Peer percentile | 11th | 16th |
| Total assets | $1.4B | $1.6B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 9.79% | 10.35% (stronger) |
| Problem loans | 1.54% | 0.84% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.12% |
| Return on assets | 0.55% | 0.66% (stronger) |
| Loans ÷ deposits | 83.6% (stronger) | 100.3% |
| Uninsured deposits | 20.7% (stronger) | 38.3% |
| Offices | 15 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alma Bank has the higher TellerScore (57 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ulster Savings Bank leads on 3 and Alma Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.