Bank of Alma: how it compares with its peers
Against 75 WI banks with half to twice its assets, Bank of Alma's strongest measure in Q2 2026 is efficiency ratio (12.03% vs. a 61.99% peer median). Its weakest relative measure is net interest margin (4.36% vs. 3.88%).
| Measure | Bank of Alma | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.16% | 1.28% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.36% | 3.88% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 12.03% | 61.99% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.9M | $6.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 119.48% | 86.60% | Context |
What it means for lending operations
Its efficiency ratio of 12.03% is better than the 61.99% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cumberland Federal Bank, FSB Cumberland, WI · $342M
- Citizens First Bank Viroqua, WI · $344M
- First National Community Bank New Richmond, WI · $345M
- Waumandee State Bank Waumandee, WI · $345M
- Clare Bank, National Association Platteville, WI · $332M
- Northern State Bank Ashland, WI · $331M
Questions about Bank of Alma
How big is Bank of Alma?
Bank of Alma, established in 1986, is headquartered in Alma, WI. It reported $340M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Alma's return on assets?
3.16% annualized in Q2 2026, against a 1.28% median for 75 WI banks with half to twice its assets, ahead of 97% of them.
What is Bank of Alma's efficiency ratio?
12.03% in Q2 2026: it spent about 12 cents in noninterest expense for each dollar of revenue. The peer median is 61.99%, and lower is better.
Is Bank of Alma growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.