Bank of Alma

211 Main Street
Alma, WI 54610


General Bank Information

FDIC Insured Yes
FDIC Certificate # 26689
Date Established 1986
Assets $0.23 billion
Loans $0.13 billion
Deposits $0.13 billion
Capital $0.10 billion

Bank of Alma is an FDIC insured institution located in Alma, WI. It was founded in 1986 and has approximately $0.23 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Bank of Alma's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Alma’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Wisconsin, Bank of Alma has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.33
Credit Card Loans 0.03
Consumer Auto Loans 0.44
Small Business Loans 0.00
Construction and Development Loans 3.18
Commercial Real Estate 58.06
Commercial and Industrial Loans 5.59
Farm Loans 0.78

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Alma, but see these great savings and CD rates:

1.55% APY High Yield Savings from Synchrony Bank
1.95% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Alma

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
4.544% 4.500% 0.13 $1,285 $1,267 Learn More
Cardinal Financial Co., Limited Partnership
NMLS ID: 66247
4.787% 4.750% 0.13 $1,060 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More
CapWest Home Loans
NMLS ID: 6521
4.659% 4.625% 0.00 $997 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Bank of Alma
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Bank of Alma Locations

Financial Details

Bank of Alma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Alma. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Alma U.S. Bank Average
2.9% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bank of Alma had $2,375,000 in non-current loans and $612,000 in owned real estate. To cover these potential losses it had $100,045,000 in equity and $3,090,000 in loans loss reserves. That gives it a Texas Ratio of 2.9%.

Return on Equity
Bank of Alma U.S. Bank Average
4.59% 8.84%

Bank of Alma has a Return on Equity of 4.59% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Alma U.S. Bank Average
44.11% 12.21%

Bank of Alma has a Capitalization of 44.11% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Alma Balance Sheet Analysis

As of September 30, 2017, Bank of Alma had assets of $226,824,000, loans of $129,394,000, and deposits of $126,198,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank Of Alma

Branches and Savings

Is Bank Of Alma FDIC insured?

Yes. It is covered under FDIC Certificate #26689.

Why does Bank Of Alma pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Alma CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Alma a commercial bank?


Where are Bank Of Alma locations?

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Is Bank Of Alma open on Saturdays?

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Are Bank Of Alma ATMs Open 24/7?

Do Bank Of Alma ATMs accept cash deposits?

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Will Bank Of Alma notarize my document?

What address for Bank Of Alma should I put for incoming ACH transfers?

Will the Bank Of Alma branch print checks?

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Does Bank Of Alma require US citizenship to open account?

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What is Bank Of Alma's SWIFT code?


Does Bank Of Alma offer mortgages?

Compare mortgage rates here.

Does Bank Of Alma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Alma offer personal loans?

Compare personal loan rates here.

Does Bank Of Alma offer student loans?

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Does Bank Of Alma do currency exchange?

Background on The Bank

Who owns Bank Of Alma?

How long has Bank Of Alma been around?

Can Bank Of Alma transfer to other banks?

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Where is Bank Of Alma headquarters?

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