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  <xs:element id="amal_EquityInvestmentsTaxCreditInvestment" abstract="false" name="EquityInvestmentsTaxCreditInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_DepositsStateAndMunicipal" abstract="false" name="DepositsStateAndMunicipal" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_GainLossOnRedemptionOfBankOwnedLifeInsurance" abstract="false" name="GainLossOnRedemptionOfBankOwnedLifeInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfRepurchases" abstract="false" name="StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfRepurchases" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="amal_AccountingStandardsUpdateTaxImpactAbstract" abstract="true" name="AccountingStandardsUpdateTaxImpactAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="amal_ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumPurchaseValueDuringYearPerEmployee" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumPurchaseValueDuringYearPerEmployee" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_FixedToFloatingRateNotesMember" abstract="true" name="FixedToFloatingRateNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_DepositsBrokeredCD" abstract="false" name="DepositsBrokeredCD" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_ConsumerAndOtherMember" abstract="true" name="ConsumerAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModificationAndPaymentDeferral" abstract="false" name="FinancingReceivableModifiedWeightedAverageTermIncreaseFromModificationAndPaymentDeferral" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="amal_ResidentialTraditionalSecuritiesMember" abstract="true" name="ResidentialTraditionalSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_AllowanceForCreditLossExcludingAccruedInterest" abstract="false" name="AllowanceForCreditLossExcludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_OCIHeldToMaturitySecuritiesTransferFromDebtSecuritiesAvailableForSaleUnrealizedGainLossBeforeAdjustmentAndTax" abstract="false" name="OCIHeldToMaturitySecuritiesTransferFromDebtSecuritiesAvailableForSaleUnrealizedGainLossBeforeAdjustmentAndTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_SeanSearbyMember" abstract="true" name="SeanSearbyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_OtherThanTemporaryImpairmentLossGainInvestments" abstract="false" name="OtherThanTemporaryImpairmentLossGainInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_TraditionalSecuritiesIssuedByUSGovernmentSponsoredEntitiesResidentialCertificatesMember" abstract="true" name="TraditionalSecuritiesIssuedByUSGovernmentSponsoredEntitiesResidentialCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_SecuredOvernightFinancingRateSOFRMember" abstract="true" name="SecuredOvernightFinancingRateSOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_OtherMiscellaneousDebtObligationsMember" abstract="true" name="OtherMiscellaneousDebtObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_PaymentsForProceedsFromOriginationsAndPurchaseOfLoansNetOfPrincipalPayments" abstract="false" name="PaymentsForProceedsFromOriginationsAndPurchaseOfLoansNetOfPrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_GrantDateFairValueThreeMember" abstract="true" name="GrantDateFairValueThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_ImpairedFinancingReceivableFairValueDisclosure" abstract="false" name="ImpairedFinancingReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_DebtSecuritiesAvailableForSaleAfterAllowanceForCreditLossFairValueTransferAmount" abstract="false" name="DebtSecuritiesAvailableForSaleAfterAllowanceForCreditLossFairValueTransferAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_AccretionAmortizationOfDiscountsAndPremiumsInvestmentsUnrealizedLossOnSecuritiesTransferredToHeldToMaturityAndSubordinatedDebt" abstract="false" name="AccretionAmortizationOfDiscountsAndPremiumsInvestmentsUnrealizedLossOnSecuritiesTransferredToHeldToMaturityAndSubordinatedDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_ConsumerSolarMember" abstract="true" name="ConsumerSolarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_ServiceChargesAndFeeIncomeOnDepositAccounts" abstract="false" name="ServiceChargesAndFeeIncomeOnDepositAccounts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_ConsumerAndOtherAndConsumerSolarMember" abstract="true" name="ConsumerAndOtherAndConsumerSolarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_GrantDateFairValueAxis" abstract="true" name="GrantDateFairValueAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="amal_GrantDateFairValueTwoMember" abstract="true" name="GrantDateFairValueTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_TaxCreditInvestmentsCommitment" abstract="false" name="TaxCreditInvestmentsCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_PropertyAssessedCleanEnergyCommitmentsMember" abstract="true" name="PropertyAssessedCleanEnergyCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_PropertyAssessedCleanEnergyAssessmentSecuritiesResidentialMember" abstract="true" name="PropertyAssessedCleanEnergyAssessmentSecuritiesResidentialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_PaymentsForRepurchaseOfCommonStockForEquityAwards" abstract="false" name="PaymentsForRepurchaseOfCommonStockForEquityAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_AccruedInterestAndDividendsReceivableFairValueDisclosure" abstract="false" name="AccruedInterestAndDividendsReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_FinancingReceivableReclassificationFromHeldForSale" abstract="false" name="FinancingReceivableReclassificationFromHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestTax" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_OfficeMaintenanceAndDepreciationNonproduction" abstract="false" name="OfficeMaintenanceAndDepreciationNonproduction" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_ProceedsFromPaymentsToEquityMethodInvestments" abstract="false" name="ProceedsFromPaymentsToEquityMethodInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_PropertyAssessedCleanEnergyAssessmentSecuritiesMember" abstract="true" name="PropertyAssessedCleanEnergyAssessmentSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_ExtendedMaturityAndPaymentDeferralMember" abstract="true" name="ExtendedMaturityAndPaymentDeferralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_CollateralizedTraditionalSecuritiesMember" abstract="true" name="CollateralizedTraditionalSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_ShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictionPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="amal_CreditLossExpenseReversalExcludingAccruedInterest" abstract="false" name="CreditLossExpenseReversalExcludingAccruedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_MarketBasedRestrictedStockUnitsMember" abstract="true" name="MarketBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_TraditionalSecuritiesIssuedByUSGovernmentSponsoredEntitiesCollateralizedMortgageObligationsMember" abstract="true" name="TraditionalSecuritiesIssuedByUSGovernmentSponsoredEntitiesCollateralizedMortgageObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_CommercialTraditionalSecuritiesMember" abstract="true" name="CommercialTraditionalSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_WeightedAverageRateDomesticDepositTotalDeposits" abstract="false" name="WeightedAverageRateDomesticDepositTotalDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="amal_OffBalanceSheetCreditLossLiabilityTax" abstract="false" name="OffBalanceSheetCreditLossLiabilityTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_TimeDepositAndBrokeredCD" abstract="false" name="TimeDepositAndBrokeredCD" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfRepurchases" abstract="false" name="StockIssuedDuringPeriodValueRestrictedStockAwardNetOfRepurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_PurchaseObligationAmountFulfilled" abstract="false" name="PurchaseObligationAmountFulfilled" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_AOCIAccumulatedGainLossDebtSecuritiesExcludingOtherThanTemporaryLossParentMember" abstract="true" name="AOCIAccumulatedGainLossDebtSecuritiesExcludingOtherThanTemporaryLossParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterestTax" abstract="false" name="DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterestTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_PropertyAssessedCleanEnergyAssessmentSecuritiesCommercialMember" abstract="true" name="PropertyAssessedCleanEnergyAssessmentSecuritiesCommercialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_MandyTennerMember" abstract="true" name="MandyTennerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="amal_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEntitiesResidentialCollateralizedMortgageObligationsMember" abstract="true" name="MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEntitiesResidentialCollateralizedMortgageObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_GrantDateFairValueOneMember" abstract="true" name="GrantDateFairValueOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_DebtSecuritiesAvailableForSaleAmortizedCostAfterAllowanceForCreditLossTransferAmount" abstract="false" name="DebtSecuritiesAvailableForSaleAmortizedCostAfterAllowanceForCreditLossTransferAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="amal_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="amal_TrustPreferredSecuritiesMember" abstract="true" name="TrustPreferredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="amal_TimeDepositsCertificateOfDepositAccountRegistryService" abstract="false" name="TimeDepositsCertificateOfDepositAccountRegistryService" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
