$57.5M
+101.2%y/y
Peer standing45th percentile
FDIC
ASSETAB
Altos Bank
Los Altos, CaliforniaFDIC Cert #59339
STATEEstablished 20241 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportAltos Bank reported $57.5M in total assets. Deposits grew 818.09% over the prior year.
Return on assets was −9.82%, compared with an asset-peer median of 0.97%. The leverage ratio was 33.44%.
- Why is deposit growth, year over year above asset peers?
- Why is efficiency ratio above asset peers?
- Why is return on assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$37.4M
+818.1%y/y
Peer standing33rd percentile
FDIC
DEP$29.8M
Peer standing49th percentile
FDIC
LNLSNET−9.82%
+494 bpsy/y
Peer standing1st percentile
FDIC
NETINC + ROA334.49%
−13,904 bpsy/y
Peer standing1st percentile
FDIC
NONIX + NIM + NONII + EEFFR33.44%
−5,229 bpsy/y
Peer standing88th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q4 2024 | $26.5M | $578K |
| Q1 2025 | $28.6M | $4.07M |
| Q2 2025 | $40.8M | $17.4M |
| Q3 2025 | $42.4M | $19.9M |
| Q4 2025 | $53.6M | $32.4M |
| Q1 2026 | $57.5M | $37.4M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $6.03M |
| Investor CRE | $16M |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $2.48M |
| C&I | $5.67M |
| Agriculture | $0 |
| Other | $25K |
Peer comparison
How this bank compares
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA−9.82%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE−28.47%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.86%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR334.49%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+818.09%100th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ33.44%88th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.39%35th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT2Toggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 32%Median 810%90th 2,720%Observations 240
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA−9.82%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.10%Median 1.10%90th 2.16%Observations 121
ROE
FDIC
NETINC + ROE−28.47%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.97%Median 8.59%90th 17.23%Observations 121
NIM
FDIC
NIM + NIMY3.86%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 3.77%90th 4.90%Observations 123
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR334.49%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.68%Median 60.80%90th 96.70%Observations 121
Deposits YoY
FDIC
DEP+818.09%100th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.66%Median +4.99%90th +23.38%Observations 120
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.04%Median +7.60%90th +21.89%Observations 116
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.67%Observations 117
Leverage
FDIC
RBC1AAJ33.44%94th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 11.85%90th 22.17%Observations 123
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.39%66th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.66%Median 2.81%90th 3.93%Observations 117
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT2Toggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 1,566%Median 3,867%90th 6,353%Observations 79
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
Branches & markets
Physical footprint
1 domestic branches reported in the latest Call Report.
FDIC
OFFDOM Credit quality
Asset quality trends
Five-year past-due, nonaccrual, and charge-off trends will provide a clear view of asset quality through changing credit cycles.
History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data