Alma Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Alma Bank (FDIC Cert #58424) registers 77/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its footprint is compact and regionally concentrated: 368 ZIP codes in 7 counties over 2 states. The deepest footprints are New York (5 counties), New Jersey (2 counties). The value is in the linkage: Alma Bank's severe reading is mapped onto 368 ZIP codes and 7 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The combination of a severe reading and a compact footprint is what makes Alma Bank worth watching as a supply signal. County by county, that footprint includes Nassau County, NY, New York County, NY, Queens County, NY, Bergen County, NJ, among others DLRadar tracks parcel by parcel. No bank is too small to score the same way: Alma Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 7-county, 368-ZIP profile means exactly what it would for any institution nationwide. Alma Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

For buyers, lender stress is an early map of supply: when Alma Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.